Kane County property record for 1686 Montclair Dr, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,515 sqft · built 2003 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $292,000 (Nov 2003) |
| Tax Bill | $9,804 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-33-328-020 |
| Primary APN | 06-33-328-020 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,515 sqft Living Area |
| Gross Area | 3,190 sqft |
| Basement Area | 675 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 11,326 sqft (0.26 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|
| Street Address | 1686 MONTCLAIR DR |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-8832 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MULBERRY GROVE UNIT 3 LOT 57 |
| Legal Subdivision | MULBERRY GROVE |
| Legal Block | 5 |
| Legal Lot Number | 57 |
| Legal Unit | 3 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 5 |
| Census Block | 5008 |
| Census Tract | 851907 |
1686 Montclair Dr is owned and occupied by two individuals who bought it in November 2003.
Source: Kane County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1686 MONTCLAIR DR, ELGIN, IL 60123-8832 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 19, 2003 · Amount on File |
| Deed Sale | Nov 19, 2003 · Amount on File |
| Deed Document Number | 2003201377 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 1686 MONTCLAIR DR, ELGIN, IL 60123-8832 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2021 |
| Title Company | HALLMARK TITLE, HALLMARK TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0000058343 |
|---|---|
| Date | Jul 30, 2021 |
| Instrument | 2021K058343 |
| Name | KANE COUNTY TEACHERS CU |
|---|---|
| Type | Credit Union |
| Address | ELGIN, IL 60123 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Aug 1, 2036 |
The 2025 property tax bill for 1686 Montclair Dr was $9,804 with a homeowner's exemption.
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,804.00 Homeowner's exemption | $136,510 (+8.57%) Land $30,744 Building $105,766 | $409,694 (+8.57%) Land $92,269 Building $317,425 |
| 2024 | $125,734 Land $28,317 Building $97,417 | $377,353 Land $84,985 Building $292,368 | |
| 2022 | $8,460.00 (+4.39%) Homeowner's exemption | $103,575 (+6.96%) Land $23,326 Building $80,249 | $310,725 (+6.96%) Land $69,978 Building $240,747 |
| 2021 | $8,104.00 Homeowner's exemption | $96,835 Land $21,808 Building $75,027 | $290,505 Land $65,424 Building $225,081 |
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.
FEMA maps place 1686 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 risk around 1686 Montclair Dr is low, with less than a 0.01% annual chance of 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.
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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