261 Garden Dr, Elgin, IL 60124 Property Records

Kane County property record for 261 Garden Dr, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,296 sqft · built 2006
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$435,000 (Jul 2021)
Tax Bill	$12,670 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Jul 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-18-405-006`

Property Details

APN / Parcel Number

Primary APN	`06-18-405-006`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,296 sqft Living Area
Gross Area	4,969 sqft
Basement Area	1,673 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)
Lot Dimensions	121 ft deep x 60 ft wide
Garage Type	Attached
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	261 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 281
Legal Subdivision	WEST POINT GARDENS
Legal Phase	1
Legal Block	2
Legal Lot Number	281
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2024
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	261 GARDEN DR, ELGIN, IL 60124-0230
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage ASSOCIATED BANK NA
Jul 13, 2021	Warranty Deed, Transfer CT
Jul 13, 2021	Warranty Deed, Transfer · Conventional Mortgage ASSOCIATED BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2021 · Amount on Record
Deed Sale	Jul 13, 2021 · Amount on Record
Prior Sale	Dec 7, 2006 · Amount on Record
Deed Document Number	202153593
Prior Transfer Date	Jun 28, 2021
Prior Transfer Doc	0000053592
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	261 GARDEN DR, ELGIN, IL 60124-0230
Transaction Type	Mortgage
Record Updated	Aug 5, 2022
Title Company	CHICAGO TITLE-LND, CHICAGO TITLE ELGIN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000082852
Date	Nov 3, 2021
Instrument	2021K082852

Lender

Name	ASSOCIATED BANK NA
Type	Bank
Address	GREEN BAY, WI 54301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2031
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.12%
Max Rate	8.12%

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 13, 2021
Property Address	261 GARDEN DR, ELGIN, IL 60124-0230
Document Number	0000053592
Instrument Date	Jun 28, 2021
Instrument	2021K053592
Transaction Type	Transfer
Record Updated	Nov 15, 2022
Title Company	CT

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	261 GARDEN DR, ELGIN, IL 60124-0230

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 13, 2021
Property Address	261 GARDEN DR, ELGIN, IL 60124-0230
Document Number	0000053593
Map Reference	DOC 2006K091077
Instrument Date	Jun 8, 2021
Instrument	2021K053593
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$435.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	261 GARDEN DR, ELGIN, IL 60124-0230

Mortgage

Document Number	0000053595
Date	Jul 13, 2021
Instrument	2021K053595

Lender

Name	ASSOCIATED BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2031
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.12%
Index	1-Year CMT
Max Rate	8.12%

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	$12,670.00 (+7.68%) Homeowner's exemption
2024		$156,382 (+21.39%) Land $39,827 Building $116,555	$469,334 (+21.44%) Land $119,529 Building $349,805
2022	$11,766.00 (-1.78%) Homeowner's exemption	$128,822 (+6.96%) Land $32,808 Building $96,014	$386,466 (+6.96%) Land $98,424 Building $288,042
2021	$11,979.00	$120,439 Land $30,673 Building $89,766	$361,317 Land $92,019 Building $269,298

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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