1658 Montclair Dr, Elgin, IL 60123 Property Records

Kane County property record for 1658 Montclair Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,976 sqft · built 2002
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on Record
Last Sale	$318,000 (Sep 2019)
Tax Bill	$10,802 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-33-329-023`

Property Details

APN / Parcel Number

Primary APN	`06-33-329-023`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,976 sqft Living Area
Gross Area	4,020 sqft
Basement Area	1,044 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	1658 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 # 127
Legal Subdivision	MULBERRY GOVE
Legal Block	5
Legal Lot Number	127
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	Individual Name on Record
Mailing Address	1658 MONTCLAIR DR, ELGIN, IL 60123-8832
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
Sep 24, 2019	Warranty Deed, Transfer · Conventional Mortgage CIBM BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 24, 2019 · Amount on Record
Deed Sale	Sep 24, 2019 · Amount on Record
Prior Sale	Nov 18, 2002 · Amount on Record
Deed Document Number	201944511
Prior Transfer Date	Jul 6, 2015
Prior Transfer Doc	0000039238
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1658 MONTCLAIR DR, ELGIN, IL 60123-8832
Transaction Type	Mortgage
Record Updated	Dec 14, 2022
Title Company	RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1658 MONTCLAIR DR, ELGIN, IL 60123-8832

Mortgage

Document Number	0000058028
Date	Dec 8, 2022
Instrument	2022K058028

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Nov 5, 2032

Interest

Rate	7.9%

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 24, 2019
Property Address	1658 MONTCLAIR DR, ELGIN, IL 60123-8832
Document Number	0000044511
Map Reference	DOC 2002K028977
Instrument Date	Sep 16, 2019
Instrument	2019K044511
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$318.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1658 MONCLAIR DRIVE, ELGIN, IL 60123-8832

Mortgage

Document Number	0000044512
Date	Sep 24, 2019
Instrument	2019K044512

Lender

Name	CIBM BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4.87%

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	$10,802.00 (+15.88%) Homeowner's exemption	$149,601 (+8.57%) Land $30,744 Building $118,857	$448,983 (+8.57%) Land $92,269 Building $356,714
2024		$137,792 (+21.4%) Land $28,317 Building $109,475	$413,541 (+21.44%) Land $84,985 Building $328,556
2022	$9,322.00 (+4.37%) Homeowner's exemption	$113,507 (+6.96%) Land $23,326 Building $90,181	$340,521 (+6.96%) Land $69,978 Building $270,543
2021	$8,932.00 Homeowner's exemption	$106,121 Land $21,808 Building $84,313	$318,363 Land $65,424 Building $252,939

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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