229 Garden Dr, Elgin, IL 60124 Property Records

Kane County property record for 229 Garden Dr, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,958 sqft · built 2006
Lot Size	0.6 acres (2,614 sqft)
Owner	2 Individual Names on Record
Last Sale	$195,000 (Apr 2015)
Tax Bill	$6,668 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-18-257-013`

Property Details

APN / Parcel Number

Primary APN	`06-18-257-013`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,958 sqft Living Area
Gross Area	2,993 sqft
Basement Area	1,035 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Construction Type	Frame
Lot Area	2,614 sqft (0.6 acres)
Lot Dimensions	75 ft deep x 36 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	229 GARDEN DR
City	ELGIN
State	IL
Zip	60124-0213
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WEST POINT GARDENS PHASE 1 LT 439
Legal Subdivision	WEST POINT GARDENS
Legal Phase	1
Legal Block	2
Legal Lot Number	439
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2022
Census Tract	851911

Owner

Source: Kane County records, as of July 21, 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	229 GARDEN DR, ELGIN, IL 60124-0213
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2023	Deed of Trust, Mortgage · Line of Credit RESOURCE BANK
Sep 20, 2019	Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC
Jun 24, 2017	Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2015 · Amount on Record
Deed Sale	Apr 23, 2015 · Amount on Record
Prior Sale	Dec 18, 2006 · Amount on Record
Deed Document Number	201520488
Record Updated	Sep 20, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	229 GARDEN DR, ELGIN, IL 60124-0213
Transaction Type	Mortgage
Record Updated	Dec 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	229 GARDEN DR, ELGIN, IL 60124-0213

Mortgage

Document Number	0000042013
Date	Dec 1, 2023
Instrument	2023K042013

Lender

Name	RESOURCE BANK
Type	Bank
Address	HAMPSHIRE, IL 60140

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Nov 15, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	229 GARDEN DR, ELGIN, IL 60124-0213
Document Number	0000046538
Instrument Date	Sep 20, 2019
Transaction Type	Mortgage
Record Updated	Oct 14, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	229 GARDEN DR ELGIN IL 601240213, ELGIN, IL 60124-0213

Mortgage

Document Number	0000046538
Date	Oct 3, 2019
Instrument	46538

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Oct 2, 2034

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	229 GARDEN DR, ELGIN, IL 60124-0213
Document Number	0000034038
Instrument Date	Jun 24, 2017
Transaction Type	Mortgage
Record Updated	Jul 24, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	229 GARDEN DR ELGIN IL 601240213, ELGIN, IL 60124-0213

Mortgage

Document Number	0000034038
Date	Jul 3, 2017
Instrument	34038

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Jul 2, 2032

Interest

Rate Type	Fixed Rate
Rate	3.5%

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	Central Community Unit School District 301 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,668.00 (-1.61%) Homeowner's exemption
2024		$93,162 (+21.39%) Land $26,007 Building $67,155	$279,598 (+21.44%) Land $78,052 Building $201,546
2022	$6,777.00 (+3.64%) Homeowner's exemption	$76,743 (+6.96%) Land $21,423 Building $55,320	$230,229 (+6.96%) Land $64,269 Building $165,960
2021	$6,539.00 Homeowner's exemption	$71,749 Land $20,029 Building $51,720	$215,247 Land $60,087 Building $155,160

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	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.

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50

May also be available: Verizon.

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