1995 Monday Dr, Elgin, IL 60123 Property Records

Kane County property record for 1995 Monday Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,658 sqft · built 1981
Lot Size	0.12 acres (5,240 sqft)
Owner	2 Individual Names on Record
Last Sale	$285,000 (Dec 2025)
Tax Bill	$5,514 (2025)
Deeds & Mortgages	Feb 2021 Line of Credit Dec 2025 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`06-04-421-016`

Property Details

APN / Parcel Number

Primary APN	`06-04-421-016`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,658 sqft Living Area
Gross Area	2,233 sqft
Basement Area	575 sqft

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Construction Type	Frame
Lot Area	5,240 sqft (0.12 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	1995 MONDAY DR
City	ELGIN
State	IL
Zip	60123-1223
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CENTURY OAKS WEST UNIT 7 LOT 389 (EXCEPT EAST 35.07 FT)
Legal Subdivision	CENTURY OAKS WEST
Legal Block	1
Legal Lot Number	389
Legal Unit	7-389
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1006
Census Tract	851910

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	1381 ACORN CT, WEST DUNDEE, IL 60118-1545
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2021	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA
Dec 19, 2025	Warranty Deed, Transfer · Conventional Mortgage SOLUTIONS FINANCIAL MORTGAGE COMPAN
Apr 1, 2021	Transfer on Death Deed, Transfer ATTORNEY ONLY, ATTORNEY
Oct 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BK
Dec 31, 2020	Warranty Deed, Transfer NOT AVAILABLE
Nov 4, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Mar 7, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 19, 2025 · Amount on Record
Deed Sale	Dec 19, 2025 · Amount on Record
Prior Sale	Dec 31, 2020 · Amount on Record
Deed Document Number	202550509
Prior Transfer Date	Mar 31, 2021
Prior Transfer Doc	0000025484
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1995 MONDAY DR, ELGIN, IL 60123-1223
Transaction Type	Mortgage
Record Updated	Dec 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000011176
Date	Feb 10, 2021
Instrument	2021K011176

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 8, 2051

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Dec 19, 2025
Property Address	1995 MONDAY DR, ELGIN, IL 60123-1223
Document Number	0000050509
Instrument Date	Dec 17, 2025
Instrument	2025K050509
Transaction Type	Transfer
Record Updated	Dec 29, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$285.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1381 ACORN CT, WEST DUNDEE, IL 60118-1545

Mortgage

Document Number	0000050510
Date	Dec 19, 2025
Instrument	2025K050510

Lender

Name	SOLUTIONS FINANCIAL MORTGAGE COMPAN
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.87%

April 2021: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	KANE IL
Recording Date	Apr 1, 2021
Property Address	1995 MONDAY DR, ELGIN, IL 60123-1223
Document Number	0000025484
Instrument Date	Mar 31, 2021
Instrument	2021K025484
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1995 MONDAY DR, ELGIN, IL 60123-1223

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1995 MONDAY DR, ELGIN, IL 60123-1223
Document Number	0000082355
Instrument Date	Oct 14, 2020
Transaction Type	Mortgage
Record Updated	Jan 21, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1995 MONDAY DR ELGIN IL 601231223, ELGIN, IL 60123-1223

Mortgage

Document Number	0000082355
Date	Dec 31, 2020
Instrument	82355

Lender

Name	TRUIST BK
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 30, 2050

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Dec 31, 2020
Property Address	1995 MONDAY DR, ELGIN, IL 60123-1223
Document Number	0000082354
Instrument Date	Oct 8, 2020
Instrument	82354
Transaction Type	Transfer
Record Updated	Jan 19, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$315.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1995 MONDAY DR ELGIN IL 601231223, ELGIN, IL 60123-1223

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Nov 4, 2019
Property Address	1995 MONDAY DR, ELGIN, IL 60123-1223
Document Number	0000053065
Instrument Date	Nov 4, 2019
Instrument	53065
Transaction Type	Transfer
Record Updated	Nov 14, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1995 MONDAY DR ELGIN IL 601231223, ELGIN, IL 60123-1223

March 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Mar 7, 2019
Property Address	1995 MONDAY DR, ELGIN, IL 60123-1223
Document Number	0000009072
Instrument Date	Feb 27, 2019
Instrument	2019K009072
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1995 MONDAY DR, ELGIN, IL 60123-1223

Mortgage

Document Number	0000009073
Date	Mar 7, 2019
Instrument	2019K009073

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2034

Interest

Rate	4.25%

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	$5,514.00 (+4.75%) Homeowner's exemption Disabled Person's exemption	$82,281 (+8.57%) Land $14,798 Building $67,483	$246,942 (+8.57%) Land $44,412 Building $202,530
2024	$5,264.00 (+11.55%) Disabled Person's exemption	$75,786 (+21.39%) Land $13,630 Building $62,156	$227,449 (+21.44%) Land $40,906 Building $186,543
2022	$4,719.00 (+1.01%) Disabled Person's exemption	$62,430 (+6.96%) Land $11,228 Building $51,202	$187,290 (+6.96%) Land $33,684 Building $153,606
2021	$4,672.00 Homeowner's exemption	$58,367 Land $10,497 Building $47,870	$175,101 Land $31,491 Building $143,610

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Low lower than 97% of the US · lower than 79% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 206 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Fox Valley Internet, T-Mobile.

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