1657 Montclair Dr, Elgin, IL 60123 Property Records

Kane County property record for 1657 Montclair Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,177 sqft · built 2002
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on File
Last Sale	$262,000 (Nov 2002)
Tax Bill	$9,750 (2025)
Deeds & Mortgages	Jun 2023 Transfer Nov 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-33-331-009`

Property Details

APN / Parcel Number

Primary APN	`06-33-331-009`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,177 sqft Living Area
Gross Area	3,055 sqft
Basement Area	878 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	11,761 sqft (0.27 acres)
Lot Dimensions	130 ft deep x 90 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	1657 MONTCLAIR DR
City	ELGIN
State	IL
Zip	60123-8831
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MULBERRY GOVE UNIT 2 LOT # 56
Legal Subdivision	MULBERRY GOVE
Legal Block	5
Legal Lot Number	56
Legal Unit	2
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	5
Census Block	5005
Census Tract	851907

Owner

Source: Kane County assessment roll, as of August 25, 2025

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 File
Mailing Address	1657 MONTCLAIR DR, ELGIN, IL 60123-8831
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2023	Transfer on Death Deed, Transfer
Nov 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 18, 2002 · Amount on Record
Deed Sale	Nov 18, 2002 · Amount on Record
Deed Document Number	2002150742
Last Transfer Date	Jun 28, 2023
Transfer Doc	0000021368
Record Updated	Sep 20, 2026

June 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	KANE IL
Recording Date	Jun 28, 2023
Property Address	1657 MONTCLAIR DR, ELGIN, IL 60123-8831
Document Number	0000021368
Map Reference	DOC 2002K028977
Instrument Date	Jun 28, 2023
Instrument	2023K021368
Transaction Type	Transfer
Record Updated	Jul 12, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1657 MONTCLAIR DR, ELGIN, IL 60123-8831

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1657 MONTCLAIR DR, ELGIN, IL 60123-8831

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1657 MONTCLAIR DR, ELGIN, IL 60123-8831
Transaction Type	Mortgage
Record Updated	Nov 9, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000082459
Date	Nov 2, 2021
Instrument	2021K082459

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21046

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Oct 1, 2036

Interest

Rate Type	Fixed Rate
Rate	2.62%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of August 25, 2025

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	$9,750.00 (+15.88%)
2024		$125,082 (+21.39%) Land $32,132 Building $92,950	$375,396 (+21.44%) Land $96,435 Building $278,962
2022	$8,414.00 (+4.41%) Homeowner's exemption	$103,038 (+6.96%) Land $26,469 Building $76,569	$309,114 (+6.96%) Land $79,407 Building $229,707
2021	$8,059.00 Homeowner's exemption	$96,334 Land $24,747 Building $71,587	$289,002 Land $74,241 Building $214,761

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

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
Radiate Holdings Cable	1,500 / 50
Starlink Satellite	280 / 30
T-Mobile USA Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Metronet Holdings, Opiquad, Verizon.

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