3763 Saint James Ct, Elgin, IL 60124 Property Records

Kane County property record for 3763 Saint James Ct, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Owner	2 Individual Names on Record
Last Sale	$450,000 (Mar 2024)
Tax Bill	$10,042 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Mar 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-18-332-013`

Property Details

APN / Parcel Number

Primary APN	`06-18-332-013`

Location & Zoning

Street Address	3763 SAINT JAMES CT
City	ELGIN
State	IL
Zip	60124-1212
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WEST POINT GARDENS SOUTH PHASE 2 LT 15
Legal Subdivision	WEST POINT GARDENS SOUTH
Legal Phase	2
Legal Block	1
Legal Lot Number	15
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1029
Census Tract	851911

Owner

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	3763 SAINT JAMES CT, ELGIN, IL 60124-1212
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 28, 2024	Warranty Deed, Transfer · Conventional Mortgage THE LOAN STORE INC
Jan 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Mar 5, 2020	Grant Deed, Subdivision Related Transfer · Conventional Mortgage M&I FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 28, 2024 · Amount on Record
Deed Sale	Mar 28, 2024 · Amount on Record
Prior Sale	Mar 5, 2020 · Amount on Record
Deed Document Number	202410071
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Recording Date	Apr 8, 2026
Property Address	3763 SAINT JAMES CT, ELGIN, IL 60124-1212
Document Number	0000014037
Instrument Date	Mar 28, 2026
Instrument	202614037
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	POST CLOSING MANAGER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	3763 SAINT JAMES CT, ELGIN, IL 60124-1212

Mortgage

Document Number	0000014037,
Date	Apr 8, 2026
Instrument	202614037

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.88%
Initial Type	Fixed Rate
Max Rate	-1%

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Mar 28, 2024
Property Address	3763 SAINT JAMES CT, ELGIN, IL 60124-1212
Document Number	0000010071
Map Reference	DOC 2019K016302
Instrument Date	Mar 15, 2024
Instrument	2024K010071
Transaction Type	Transfer
Record Updated	Apr 9, 2024
Title Company	BAIRD AND WARNER TITLE SERVICES INC, BAIRD & WARNER TTL SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3763 SAINT JAMES CT, ELGIN, IL 60124-1212

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1310 QUADRANT LN, SCHAUMBURG, IL 60173-5656

Mortgage

Document Number	0000010072
Date	Mar 28, 2024
Instrument	2024K010072

Lender

Name	THE LOAN STORE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

Interest

Rate Type	Fixed Rate
Rate	6.99%
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	3763 SAINT JAMES CT, ELGIN, IL 60124-1212
Transaction Type	Mortgage
Record Updated	Jul 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007605
Date	Jan 28, 2021
Instrument	2021K007605

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	238 Months
Due	Nov 1, 2040

March 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	KANE IL
Recording Date	Mar 5, 2020
Property Address	3763 SAINT JAMES CT, ELGIN, IL 60124-1212
Document Number	0000011663
Instrument Date	Feb 11, 2020
Instrument	11663
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 7, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$453.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1110 E ALGONQUIN RD #3L SCHAUMBURG IL 601734028, 3L, SCHAUMBURG, IL 60173-4028

Mortgage

Document Number	11664
Date	Mar 5, 2020
Instrument	11664

Lender

Name	M&I FIN'L
Type	Funding / Finance Company
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 4, 2050

Tax Assessment & Valuation

Source: Kane County assessment roll, as of December 26, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,042.00 (-2.66%)
2024	$10,316.00 (+10.6%)	$125,476 (+21.39%) Land $39,827 Building $85,649	$376,579 (+21.44%) Land $119,529 Building $257,050
2022	$9,327.00 (+3.46%) Homeowner's exemption	$103,362 (+6.96%) Land $32,808 Building $70,554	$310,086 (+6.96%) Land $98,424 Building $211,662
2021	$9,015.00 Homeowner's exemption	$96,636 Land $30,673 Building $65,963	$289,908 Land $92,019 Building $197,889

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.

Flood

Source: FEMA National Flood Hazard Layer, effective October 8, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 309 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50

May also be available: Verizon.

Nearby Properties on Saint James Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures