Kane County property record for 3646 Emerald Rd, Elgin, IL 60124
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.314 acres (13,692 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $418,500 (May 2021) |
| Tax Bill | $13,559 (2025) |
| Deeds & Mortgages | May 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-36-367-007 |
| Primary APN | 05-36-367-007 |
|---|
| Lot Area | 13,692 sqft (0.314 acres) |
|---|
| Street Address | 3646 EMERALD RD |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60124-8563 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THE PONDS OF STONY CREEK UNIT 1 (11/5/18) LT 110 |
| Legal Subdivision | STONY CREEK |
| Legal Block | 1 |
| Legal Lot Number | 110 |
| Legal Unit | 1 |
| Jurisdiction | KANE IL |
| Township / Civil Division | PLATO |
| Census Block Group | 1 |
| Census Block | 1107 |
| Census Tract | 850709 |
Source: Kane County records, as of July 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3646 EMERALD RD, ELGIN, IL 60124-8563 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 26, 2021 · Amount on Record |
| Deed Sale | May 26, 2021 · Amount on Record |
| Deed Document Number | 202140829 |
| Record Updated | Sep 20, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | May 26, 2021 |
| Property Address | 3646 EMERALD RD, ELGIN, IL 60124-8563 |
| Document Number | 0000040829 |
| Map Reference | DOC 2018K053935 |
| Instrument Date | May 24, 2021 |
| Instrument | 2021K040829 |
| Transaction Type | Transfer |
| Record Updated | Sep 15, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $418.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1141 E MAIN ST # ST108, 1141, EAST DUNDEE, IL 60118-2440 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 3646 EMERALD RD, ELGIN, IL 60124-8563 |
| Document Number | 0000040830 |
|---|---|
| Date | May 26, 2021 |
| Instrument | 2021K040830 |
| Name | LENNAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
Source: Kane County assessment roll, as of December 26, 2025
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $13,559.00 (+1.03%) Homeowner's exemption | ||
| 2024 | $161,815 (+13.14%) Land $27,638 Building $134,177 | $485,639 (+13.18%) Land $82,947 Building $402,692 | |
| 2022 | $13,421.00 (+89.35%) Homeowner's exemption | $143,027 (+95.32%) Land $21,357 Building $121,670 | $429,081 (+95.32%) Land $64,071 Building $365,010 |
| 2021 | $7,088.00 Homeowner's exemption | $73,227 Land $1,737 Building $71,490 | $219,681 Land $5,211 Building $214,470 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 74% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 117 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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