Kane County property record for 278 Monument Rd, Elgin, IL 60124
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $400,000 (Apr 2021) |
| Tax Bill | $12,229 (2025) |
| Deeds & Mortgages | Dec 2025 Transfer Apr 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-19-179-013 |
| Primary APN | 06-19-179-013 |
|---|
| Lot Area | 12,632 sqft (0.29 acres) |
|---|---|
| Lot Width | 100 ft Width |
| Street Address | 278 MONUMENT RD |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60124-3817 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SHADOW HILL UNIT 4 LT 125 |
| Legal Subdivision | SHADOW HILL |
| Legal Block | 1 |
| Legal Lot Number | 125 |
| Legal Unit | 4 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 851911 |
Source: Kane County records · APN 06-19-179-013
Assessment roll updated December 26, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 278 MONUMENT RD, ELGIN, IL 60124-3817 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Dec 03, 2025 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Apr 07, 2021 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| May 16, 2020 | Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 07, 2021 · Amount on Record |
| Deed Sale | Apr 07, 2021 · Amount on Record |
| Prior Sale | Jun 17, 2016 · Amount on Record |
| Deed Document Number | 202127026 |
| Last Transfer Date | Sep 08, 2025 |
| Transfer Doc | 0000047815 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Dec 03, 2025 |
| Property Address | 278 MONUMENT RD, ELGIN, IL 60124-3817 |
| Document Number | 0000047815 |
| Map Reference | DOC 2006K099022 |
| Instrument Date | Sep 08, 2025 |
| Instrument | 2025K047815 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 278 MONUMENT RD, ELGIN, IL 60124-3817 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Apr 07, 2021 |
| Property Address | 278 MONUMENT RD, ELGIN, IL 60124-3817 |
| Document Number | 0000027026 |
| Map Reference | DOC 2006K071565 |
| Instrument Date | Mar 03, 2021 |
| Instrument | 2021K027026 |
| Transaction Type | Transfer |
| Record Updated | Sep 15, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $400.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 278 MONUMENT RD, ELGIN, IL 60124-3817 |
| Document Number | 0000027027 |
|---|---|
| Date | Apr 07, 2021 |
| Instrument | 2021K027027 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 278 MONUMENT RD, ELGIN, IL 60124-3817 |
| Document Number | 0000027996 |
| Instrument Date | May 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 14, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 278 MONUMENT RD ELGIN IL 601243817, ELGIN, IL 60124-3817 |
| Document Number | 0000027996 |
|---|---|
| Date | Jun 01, 2020 |
| Instrument | 27996 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 31, 2050 |
| Rate | 2.99% |
|---|
Source: Kane County records · Assessment roll updated December 26, 2025 · Last verified July 2026
| 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) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $12,229.00 (-2.75%) Homeowner's exemption | ||
| 2024 | $12,575.00 (+10.72%) Homeowner's exemption | $151,201 (+21.39%) Land $39,827 Building $111,374 | $453,785 (+21.44%) Land $119,529 Building $334,256 |
| 2022 | $11,357.00 (+3.38%) Homeowner's exemption | $124,554 (+6.96%) Land $32,808 Building $91,746 | $373,662 (+6.96%) Land $98,424 Building $275,238 |
| 2021 | $10,986.00 Homeowner's exemption | $116,449 Land $30,673 Building $85,776 | $349,347 Land $92,019 Building $257,328 |
Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Low lower than 98% of the US · lower than 86% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 407 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Radiate Holdings Cable | 1,500 / 50 |
| AT&T Fiber · DSL in parts of the area | 1,000 / 1,000 |
May also be available: Verizon.
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | ELGIN serves 114,797 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2025 |
| Lead | 19 ppb (2026) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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