1654 Montclair Dr, Elgin, IL 60123 Property Records

Kane County property record for 1654 Montclair Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,042 sqft · built 2002
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on Record
Last Sale	$322,500 (Dec 2020)
Tax Bill	$10,480 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-33-329-024`

Property Details

APN / Parcel Number

Primary APN	`06-33-329-024`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,042 sqft Living Area
Gross Area	4,217 sqft
Basement Area	1,175 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Construction Type	Frame
Foundation Type	Raised
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	1654 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 # 126
Legal Subdivision	MULBERRY GOVE
Legal Block	5
Legal Lot Number	126
Legal Unit	2
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	5
Census Block	5009
Census Tract	851907

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	1654 MONTCLAIR DR, ELGIN, IL 60123-8832
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Dec 30, 2020	Deed, Transfer · FHA Mortgage FIRST CENTENNIAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2020 · Amount on Record
Deed Sale	Dec 30, 2020 · Amount on Record
Prior Sale	Dec 5, 2002 · Amount on Record
Deed Document Number	202081921
Prior Transfer Date	Aug 6, 2015
Prior Transfer Doc	0000043018
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1654 MONTCLAIR DR, ELGIN, IL 60123-8832
Transaction Type	Mortgage
Record Updated	Jul 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1654 MONTCLAIR DR, ELGIN, IL 60123-8832

Mortgage

Document Number	0000024276
Date	Jul 19, 2023
Instrument	2023K024276

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Jul 14, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	KANE IL
Recording Date	Dec 30, 2020
Property Address	1654 MONTCLAIR DR, ELGIN, IL 60123-8832
Document Number	0000081921
Map Reference	DOC 2002K028977
Instrument Date	Nov 16, 2020
Instrument	2020K081921
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$322.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1654 MONTCLAIR DR, 1654, ELGIN, IL 60123-8832

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1654 MONTCLAIR DR, ELGIN, IL 60123-8832

Mortgage

Document Number	0000081922
Date	Dec 30, 2020
Instrument	2020K081922

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.25%

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
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	$10,480.00 (+15.88%) Homeowner's exemption	$145,378 (+8.57%) Land $30,744 Building $114,634	$436,309 (+8.57%) Land $92,269 Building $344,040
2024		$133,902 (+21.39%) Land $28,317 Building $105,585	$401,867 (+21.44%) Land $84,985 Building $316,882
2022	$9,044.00 (+4.37%) Homeowner's exemption	$110,303 (+6.96%) Land $23,326 Building $86,977	$330,909 (+6.96%) Land $69,978 Building $260,931
2021	$8,665.00 Homeowner's exemption	$103,125 Land $21,808 Building $81,317	$309,375 Land $65,424 Building $243,951

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	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

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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