279 Garden Dr, Elgin, IL 60124 Property Records

Kane County property record for 279 Garden Dr, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,624 sqft · built 2006
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on Record
Last Sale	$399,000 (Jun 2026)
Tax Bill	$10,527 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Aug 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-18-405-014`

Property Details

APN / Parcel Number

Primary APN	`06-18-405-014`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,624 sqft Living Area
Gross Area	3,936 sqft
Basement Area	1,312 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Construction Type	Frame
Lot Area	4,792 sqft (0.11 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	279 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 289
Legal Subdivision	WEST POINT GARDENS
Legal Phase	1
Legal Block	2
Legal Lot Number	289
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 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	279 GARDEN DR, ELGIN, IL 60124-0230
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2026	Warranty Deed, Transfer · Conventional Mortgage CITYWIDE TITLE
Aug 10, 2022	Warranty Deed, Transfer · Conventional Mortgage WINTRUST MORTGAGE
Jan 8, 2020	Loan Modification, Mortgage · FHA Mortgage M&T BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 4, 2026 · Amount on Record
Deed Sale	Jun 4, 2026 · Amount on Record
Prior Sale	Aug 10, 2022 · Amount on Record
Deed Document Number	202623115
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 4, 2026
Property Address	279 GARDEN DR, ELGIN, IL 60124-0230
Document Number	0000023115
Instrument Date	May 20, 2026
Instrument	202623115
Transaction Type	Transfer
Record Updated	Jun 11, 2026
Title Company	CITYWIDE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$60,448.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	279 GARDEN DR, ELGIN, IL 60124-0230
Investor	Possibly a Property Investor

Mortgage

Document Number	0000023116,
Date	Jun 4, 2026
Instrument	202623116

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.33%
Initial Type	Fixed Rate
Max Rate	-1%

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 10, 2022
Property Address	279 GARDEN DR, ELGIN, IL 60124-0230
Document Number	0000040508
Map Reference	DOC 2006K091077
Instrument Date	Jul 20, 2022
Instrument	2022K040508
Transaction Type	Transfer
Record Updated	Aug 17, 2022
Title Company	ATTORNEY'S TITLE, ATTORNEYS TTL GUARANTY FUND

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$379.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3640 HYDE PARK CT, ELGIN, IL 60124-8180

Mortgage

Document Number	0000040509
Date	Aug 10, 2022
Instrument	2022K040509

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Fixed Rate
Rate	5.87%

January 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KANE IL
Property Address	279 GARDEN DR, ELGIN, IL 60124-0230
Document Number	0000009618
Instrument Date	Jan 8, 2020
Transaction Type	Mortgage
Record Updated	Mar 10, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	279 GARDEN DR ELGIN IL 601240230, ELGIN, IL 60124-0230

Mortgage

Document Number	0000009618
Date	Feb 24, 2020
Instrument	9618

Lender

Name	M&T BK
Type	Bank
Address	GETZVILLE, NY 14068

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 23, 2050

Interest

Rate	3.87%

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	$10,527.00 (-2.68%) Homeowner's exemption	$142,426 (+8.57%) Land $43,240 Building $99,186	$427,449 (+8.57%) Land $129,772 Building $297,677
2024	$10,817.00 (+10.63%)	$131,184 (+21.39%) Land $39,827 Building $91,357	$393,709 (+21.44%) Land $119,529 Building $274,181
2022	$9,778.00 (+3.45%) Homeowner's exemption	$108,065 (+6.96%) Land $32,808 Building $75,257	$324,195 (+6.96%) Land $98,424 Building $225,771
2021	$9,452.00 Homeowner's exemption	$101,033 Land $30,673 Building $70,360	$303,099 Land $92,019 Building $211,080

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	Direct burnable vegetation

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 309 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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