259 Garden Dr, Elgin, IL 60124 Property Records

Kane County property record for 259 Garden Dr, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,972 sqft · built 2006
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$445,000 (Dec 2022)
Tax Bill	$12,448 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Dec 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-18-405-005`

Property Details

APN / Parcel Number

Primary APN	`06-18-405-005`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,972 sqft Living Area
Gross Area	4,651 sqft
Basement Area	1,679 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Construction Type	Frame
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	259 GARDEN DR
City	ELGIN
State	IL
Zip	60124-0230
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WEST POINT GARDENS PHASE 1 LT 280
Legal Subdivision	WEST POINT GARDENS
Legal Phase	1
Legal Block	2
Legal Lot Number	280
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2024
Census Tract	851911

Owner

259 Garden Dr is owned and occupied by two individuals who bought it in December 2022.

Source: Kane County records, as of July 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	259 GARDEN DR, ELGIN, IL 60124-0230
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2023	Deed of Trust, Mortgage · Conventional Mortgage DAVID BANKS ETAL
Dec 28, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 28, 2022 · Amount on File
Deed Sale	Dec 28, 2022 · Amount on File
Prior Sale	Dec 18, 2006 · Amount on File
Deed Document Number	202260192
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	259 GARDEN DR, ELGIN, IL 60124-0230
Transaction Type	Mortgage
Record Updated	Apr 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	259 GARDEN DR, ELGIN, IL 60124-0230

Mortgage

Document Number	0000010853
Date	Apr 6, 2023
Instrument	2023K010853

Lender

Name	DAVID BANKS ETAL
Type	Private Party
Address	321 E COLE AVE, WHEATON, IL 60187

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Mar 1, 2053

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Dec 28, 2022
Property Address	259 GARDEN DR, ELGIN, IL 60124-0230
Document Number	0000060192
Map Reference	DOC 2006K091077
Instrument Date	Dec 20, 2022
Instrument	2022K060192
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$445.00
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	259 GARDEN DR, ELGIN, IL 60124-0230

Mortgage

Document Number	0000060193
Date	Dec 28, 2022
Instrument	2022K060193

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company
Address	AURORA, IL 60506

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.62%

Tax Assessment & Valuation

The 2025 property tax bill for 259 Garden Dr was $12,448 with a homeowner's exemption.

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	$12,448.00 Homeowner's exemption	$166,957 (+8.57%) Land $43,240 Building $123,717	$501,071 (+8.57%) Land $129,772 Building $371,300
2024		$153,778 Land $39,827 Building $113,951	$461,519 Land $119,529 Building $341,990
2022	$12,136.00 (+3.02%)	$126,677 (+6.96%) Land $32,808 Building $93,869	$380,031 (+6.96%) Land $98,424 Building $281,607
2021	$11,780.00	$118,434 Land $30,673 Building $87,761	$355,302 Land $92,019 Building $263,283

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

FEMA maps place 259 Garden 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

The area around 259 Garden Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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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