1642 Montclair Dr, Elgin, IL 60123 Property Records

Kane County property record for 1642 Montclair Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,986 sqft · built 2002
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on File
Last Sale	$333,000 (Apr 2019)
Tax Bill	$10,982 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-33-329-027`

Property Details

APN / Parcel Number

Primary APN	`06-33-329-027`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,986 sqft Living Area
Gross Area	4,030 sqft
Basement Area	1,044 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space
Pool Type	Above-Ground Pool

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1642 MONTCLAIR DR
City	ELGIN
State	IL
Zip	60123-8832
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MULBERRY GOVE UNIT 2 LOT # 123
Legal Subdivision	MULBERRY GOVE
Legal Block	5
Legal Lot Number	123
Legal Unit	2
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	5
Census Block	5009
Census Tract	851907

Owner

1642 Montclair Dr is owned and occupied by two individuals who bought it in April 2019.

Source: Kane County records, as of July 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1642 MONTCLAIR DR, ELGIN, IL 60123-8832
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 2, 2019	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 2, 2019 · Amount on File
Deed Sale	Apr 2, 2019 · Amount on File
Prior Sale	Jul 28, 2015 · Amount on File
Deed Document Number	201912547
Prior Transfer Date	Mar 19, 2013
Prior Transfer Doc	0000023313
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1642 MONTCLAIR DR, ELGIN, IL 60123-8832
Transaction Type	Mortgage
Record Updated	Apr 1, 2021
Title Company	CT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020834
Date	Mar 16, 2021
Instrument	2021K020834

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	301 Months
Due	Apr 1, 2046

Interest

Rate Type	Fixed Rate
Rate	2.99%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1642 MONTCLAIR DR, ELGIN, IL 60123-8832
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AFFINITY TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000054869
Date	Nov 13, 2019
Instrument	2019K054869

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	353 Months
Due	Apr 1, 2049

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 2, 2019
Property Address	1642 MONTCLAIR DR, ELGIN, IL 60123-8832
Document Number	0000012547
Map Reference	DOC 2002K028977
Instrument Date	Mar 21, 2019
Instrument	2019K012547
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	AFFINITY TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$333.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1642 MONTCLAIR DR, 1642, ELGIN, IL 60123-8832

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1642 MONTCLAIR DR, ELGIN, IL 60123-8832

Mortgage

Document Number	0000012548
Date	Apr 2, 2019
Instrument	2019K012548

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2049

Interest

Rate	4.25%

Tax Assessment & Valuation

The 2025 property tax bill for 1642 Montclair Dr was $10,982 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	Elgin Township
Municipality	Elgin City
Unified School District	School District U-46 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,982.00 Homeowner's exemption	$151,957 (+8.57%) Land $30,744 Building $121,213	$456,053 (+8.57%) Land $92,269 Building $363,785
2024		$139,962 Land $28,317 Building $111,645	$420,054 Land $84,985 Building $335,069
2022	$9,477.00 (+4.36%) Homeowner's exemption	$115,296 (+6.96%) Land $23,326 Building $91,970	$345,888 (+6.96%) Land $69,978 Building $275,910
2021	$9,081.00 Homeowner's exemption	$107,793 Land $21,808 Building $85,985	$323,379 Land $65,424 Building $257,955

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

FEMA maps place 1642 Montclair Dr in Zone X, an area of minimal flood risk.

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	1 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

The area around 1642 Montclair Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 334 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Fox Valley Internet, Metronet, Verizon.

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