37W727 Orchard Ln, Elgin, IL 60124 Property Records

Kane County property record for 37W727 Orchard Ln, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,223 sqft · built 1987
Lot Size	1.01 acres (44,431 sqft)
Owner	2 Individual Names on Record
Last Sale	$335,000 (Aug 2017)
Tax Bill	$11,098 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-17-176-004`

Property Details

APN / Parcel Number

Primary APN	`06-17-176-004`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,223 sqft Living Area
Gross Area	4,446 sqft
1st Floor Area	2,223 sqft
Basement Area	2,223 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Construction Type	Frame
Lot Area	44,431 sqft
Garage Type	Attached
Parking Spaces	5 Parking Spaces
Pool Area	648 sqft

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	37W727 ORCHARD LN
City	ELGIN
State	IL
Zip	60124-8028
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HIDDEN HILL SUB LOT 32 RESUB OF LOT 3 MOELLERS SUB 2ND ADDN
Legal Subdivision	HIDDEN HILL SUB
Legal Block	4
Legal Lot Number	32,3
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4030
Census Tract	851904

Owner

Source: Kane County records, as of July 23, 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	37W727 ORCHARD LN, ELGIN, IL 60124-8028
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Aug 16, 2017	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2017 · Amount on Record
Deed Sale	Aug 16, 2017 · Amount on Record
Deed Document Number	201742905
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	37W727 ORCHARD LN, ELGIN, IL 60124-8028
Transaction Type	Mortgage
Record Updated	Jul 27, 2021
Title Company	GREATER ILLINOIS TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000077460
Date	Dec 14, 2020
Instrument	2020K077460

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.62%

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 16, 2017
Property Address	37W727 ORCHARD LN, ELGIN, IL 60124-8028
Document Number	0000042905
Instrument Date	Aug 11, 2017
Instrument	42905
Transaction Type	Transfer
Record Updated	Sep 25, 2017
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$502.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1082 WATERFRONT LN ELGIN IL 60124, ELGIN, IL 60124

Mortgage

Document Number	42906
Date	Aug 16, 2017
Instrument	42906

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 15, 2047

Interest

Rate Type	Fixed Rate
Rate	3.75%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$11,098.00 (+4.73%) Homeowner's exemption	$168,124 (+8.57%) Land $39,388 Building $128,736	$504,574 (+8.57%) Land $118,211 Building $386,363
2024		$154,853 (+21.39%) Land $36,279 Building $118,574	$464,745 (+21.44%) Land $108,881 Building $355,864
2022	$10,597.00 (+4.74%) Homeowner's exemption	$127,563 (+6.96%) Land $29,885 Building $97,678	$382,689 (+6.96%) Land $89,655 Building $293,034
2021	$10,117.00 Homeowner's exemption	$119,262 Land $27,940 Building $91,322	$357,786 Land $83,820 Building $273,966

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 · 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	2 in force
Nearby Flood Claims	1 (2000)
Most Recent Claim	Jun 2000

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Astound Broadband, AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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