Kane County property record for 3657 Thornhill Dr, Elgin, IL 60124
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,802 sqft · built 2012 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $619,000 (Jun 2024) |
| Tax Bill | $13,872 (2025) |
| Deeds & Mortgages | Nov 2023 Line of Credit Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-35-299-006 |
| Primary APN | 05-35-299-006 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,802 sqft Living Area |
| Basement Area | 1,402 sqft |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Lot Area | 10,890 sqft (0.25 acres) |
| Garage Area | 390 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Cooling System | Central |
|---|
| Street Address | 3657 THORNHILL DR |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60124-8086 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BOWES CREEK COUNTRY CLUB PHASE 2 LT 299 |
| Legal Subdivision | BOWES CREEK COUNTRY CLUB |
| Legal Phase | 2 |
| Legal Block | 1 |
| Legal Lot Number | 299 |
| Jurisdiction | KANE IL |
| Township / Civil Division | PLATO |
| Census Block Group | 1 |
| Census Block | 1085 |
| Census Tract | 850709 |
3657 Thornhill Dr is owned by two individuals who bought it in June 2024.
Source: Kane County records, as of July 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 16 BUCKTHORN RD, SOUTH BARRINGTON, IL 60010-9516 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 27, 2023 | Deed of Trust, Mortgage · Line of Credit CIBM BANK |
| Oct 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 3, 2024 · Amount on File |
| Deed Sale | Jun 3, 2024 · Amount on File |
| Prior Sale | Oct 24, 2012 · Amount on File |
| Deed Document Number | 202418486 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 3657 THORNHILL DR, ELGIN, IL 60124-8086 |
| Transaction Type | Mortgage |
| Record Updated | Dec 6, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3657 THORNHILL DR, ELGIN, IL 60124-8086 |
| Document Number | 0000041367 |
|---|---|
| Date | Nov 27, 2023 |
| Instrument | 2023K041367 |
| Name | CIBM BANK |
|---|---|
| Type | Bank |
| Address | WHEATON, IL 60187 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 3657 THORNHILL DR, ELGIN, IL 60124-8086 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000063555 |
|---|---|
| Date | Oct 22, 2020 |
| Instrument | 2020K063555 |
| Name | FIRST CENTENNIAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | AURORA, IL 60506 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Nov 1, 2035 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.37% |
The 2025 property tax bill for 3657 Thornhill Dr was $13,872.
Source: Kane County assessment roll, as of August 25, 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 | $13,872.00 | ||
| 2024 | $166,829 Land $33,165 Building $133,664 | $500,687 Land $99,535 Building $401,152 | |
| 2022 | $13,214.00 (-0.34%) Homeowner's exemption | $140,920 (+3.51%) Land $32,035 Building $108,885 | $422,760 (+3.51%) Land $96,105 Building $326,655 |
| 2021 | $13,259.00 Homeowner's exemption | $136,142 Land $30,949 Building $105,193 | $408,426 Land $92,847 Building $315,579 |
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.
FEMA maps place 3657 Thornhill Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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.
Wildfire risk around 3657 Thornhill Dr is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 70% of Illinois |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ELGIN serves 114,797 people · EPA ID IL0894380 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2025 |
| Lead | 19 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 8 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 127 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Astound Broadband Cable | 1,500 / 50 |
| AT&T Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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