235 Garden Dr, Elgin, IL 60124 Property Records

Kane County property record for 235 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	0.4 acres (1,742 sqft)
Owner	2 Individual Names on Record
Last Sale	$371,000 (Sep 2025)
Tax Bill	$7,371 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-18-257-016`

Property Details

APN / Parcel Number

Primary APN	`06-18-257-016`

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

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Construction Type	Frame
Lot Area	1,742 sqft (0.4 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	235 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 LOT 442
Legal Subdivision	WEST POINT GARDENS
Legal Phase	1
Legal Block	2
Legal Lot Number	442
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 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	575 PLUM GROVE RD, 1A, ROSELLE, IL 60172-1336
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2025	Warranty Deed, Transfer · Conventional Mortgage SOLUTIONS FINANCIAL MORTGAGE COMPAN
Aug 29, 2019	Warranty Deed, Transfer · Conventional Mortgage KEY MORTGAGE SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2025 · Amount on Record
Deed Sale	Sep 30, 2025 · Amount on Record
Prior Sale	Aug 29, 2019 · Amount on Record
Deed Document Number	202537860
Record Updated	Oct 29, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 30, 2025
Property Address	235 GARDEN DR, ELGIN, IL 60124-0213
Document Number	0000037860
Map Reference	DOC 2006K091077
Instrument Date	Aug 19, 2025
Instrument	2025K037860
Transaction Type	Transfer
Record Updated	Oct 13, 2025
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$371.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	235 GARDEN DR, ELGIN, IL 60124-0213

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	235 GARDEN DR, ELGIN, IL 60124-0213

Mortgage

Document Number	0000037861
Date	Sep 30, 2025
Instrument	2025K037861

Lender

Name	SOLUTIONS FINANCIAL MORTGAGE COMPAN
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2055

Interest

Rate Type	Fixed Rate
Rate	6.62%

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 29, 2019
Property Address	235 GARDEN DR, ELGIN, IL 60124-0213
Document Number	0000039728
Map Reference	DOC 2006K091077
Instrument Date	Aug 10, 2019
Instrument	2019K039728
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$366.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	235 GARDEN DR, ELGIN, IL 60124-0213

Mortgage

Document Number	0000039729
Date	Aug 29, 2019
Instrument	2019K039729

Lender

Name	KEY MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	4%

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	Central Community Unit School District 301 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,371.00 (-2.46%) Homeowner's exemption	$102,127 (+8.57%) Land $28,236 Building $73,891	$306,504 (+8.57%) Land $84,742 Building $221,762
2024	$7,557.00 (+10.35%) Homeowner's exemption	$94,065 (+21.39%) Land $26,007 Building $68,058	$282,308 (+21.44%) Land $78,052 Building $204,256
2022	$6,848.00 (+3.62%) Homeowner's exemption	$77,487 (+6.96%) Land $21,423 Building $56,064	$232,461 (+6.96%) Land $64,269 Building $168,192
2021	$6,609.00 Homeowner's exemption	$72,445 Land $20,029 Building $52,416	$217,335 Land $60,087 Building $157,248

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 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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