3645 Emerald Rd, Elgin, IL 60124 Property Records

Kane County property record for 3645 Emerald Rd, Elgin, IL 60124 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Lot Size	11,306 sqft (0.259 acres)
Occupancy	Owner Occupied
Last Sale	$445,500 (2021)
Tax Bill	$12,682.00 (2025)

Owner

Source: Kane County records · APN 05-36-369-004

Assessment roll updated August 25, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on File
Mailing Address	3645 EMERALD RD, ELGIN, IL 60124-8399
Occupancy	Owner Occupied
Owner Type	Owner is a Company
Vesting	Owner is a Trust, Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 02, 2021 · Amount on Record
Deed Sale	Sep 02, 2021 · Amount on Record
Deed Doc Number	202167169
Record Refreshed	Sep 20, 2026

September 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 02, 2021
Property Address	3645 EMERALD RD, ELGIN, IL 60124-8399
Document Number	0000067169
Instrument Date	Aug 27, 2021
Instrument	2021K067169
Transaction Type	Transfer
Record Updated	Aug 29, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$445.50
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	350 GYORR AVE UNIT 1405, 1405, SOUTH ELGIN, IL 60177-3915

Mortgage

Document Number	0000067170
Date	Sep 02, 2021
Instrument	2021K067170

Lender

Name	LENNAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 01, 2036

Interest

Rate Type	Fixed Rate
Rate	2.37%

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	Plato Township
Municipality	Elgin City
Unified School District	Central Community Unit School District 301 (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$12,682.00 (-6.19%) Homeowner's exemption Senior Citizen's exemption
2024		$161,478 (+8.35%) Land $27,638 Building $133,840	$484,628 (+8.39%) Land $82,947 Building $401,681
2022	$13,519.00 (+7,581.25%) Homeowner's exemption	$149,036 (+8,480.08%) Land $24,917 Building $124,119	$447,108 (+8,480.08%) Land $74,751 Building $372,357
2021	$176.00	$1,737 Land $1,737	$5,211 Land $5,211

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 4% of the US · above 26% of Illinois
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN	`05-36-369-004`

Exterior

Lot Area	11,306 sqft (0.259 acres)

Location & Zoning

Street Address	3645 EMERALD RD
City	ELGIN
State	IL
Zip	60124-8399
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	THE PONDS OF STONY CREEK UNIT 1 (11/5/18) LT 14
Legal Subdivision	STONY CREEK
Legal Block	1
Legal Lot Number	14
Legal Unit	1
Jurisdiction	KANE IL
Minor Civil Division	PLATO
Census Blockgroup	1
Census Block	1107
Census Tract	850709