2045 Monday Dr, Elgin, IL 60123 Property Records

Kane County property record for 2045 Monday Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,848 sqft · built 1980
Lot Size	0.207 acres (9,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$229,000 (Sep 2018)
Tax Bill	$8,140 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-04-421-005`

Property Details

APN / Parcel Number

Primary APN	`06-04-421-005`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,848 sqft Living Area
Gross Area	2,772 sqft
Basement Area	924 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	9,000 sqft (0.207 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	2045 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 395
Legal Subdivision	CENTURY OAKS WEST
Legal Block	1
Legal Lot Number	395
Legal Unit	7
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	2045 MONDAY DR, ELGIN, IL 60123-1223
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2026	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK
Jan 27, 2021	Deed of Trust, Mortgage · FHA Mortgage FIFTH THIRD BANK NA
Sep 24, 2018	Warranty Deed, Transfer · FHA Mortgage FIFTH THIRD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 2018 · Amount on Record
Deed Sale	Sep 24, 2018 · Amount on Record
Prior Sale	May 4, 2009 · Amount on Record
Deed Document Number	201846667
Prior Transfer Date	Jun 3, 2004
Prior Transfer Doc	0000094746
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Recording Date	Apr 21, 2026
Property Address	2045 MONDAY DR, ELGIN, IL 60123-1223
Document Number	0000016114
Instrument Date	Mar 16, 2026
Instrument	202616114
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2045 MONDAY DR, ELGIN, IL 60123-1223

Mortgage

Document Number	0000016114,
Date	Apr 21, 2026
Instrument	202616114

Lender

Name	FIFTH THIRD BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 30, 2056

Interest

Rate	6.09%
Max Rate	-1%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	2045 MONDAY DR, ELGIN, IL 60123-1223
Transaction Type	Mortgage
Record Updated	Feb 9, 2021
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006827
Date	Jan 27, 2021
Instrument	2021K006827

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Oct 1, 2050

Interest

Rate	3.12%

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 24, 2018
Property Address	2045 MONDAY DR, ELGIN, IL 60123-1223
Document Number	0000046667
Instrument Date	Jul 16, 2018
Instrument	2018K046667
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	OLD REPULIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$229.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2045 MONDAY DR, ELGIN, IL 60123-1223

Mortgage

Document Number	0000046668
Date	Sep 24, 2018
Instrument	2018K046668

Lender

Name	FIFTH THIRD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2048

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	$8,140.00 (+4.17%) Homeowner's exemption	$114,700 (+8.57%) Land $27,140 Building $87,560	$344,238 (+8.57%) Land $81,453 Building $262,785
2024	$7,814.00 (+11.22%)	$105,646 (+21.39%) Land $24,998 Building $80,648	$317,065 (+21.44%) Land $75,024 Building $242,041
2022	$7,026.00 (+4.51%) Homeowner's exemption	$87,028 (+6.96%) Land $20,593 Building $66,435	$261,084 (+6.96%) Land $61,779 Building $199,305
2021	$6,723.00 Homeowner's exemption	$81,365 Land $19,253 Building $62,112	$244,095 Land $57,759 Building $186,336

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	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 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.

Nearby Properties on Monday Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures