281 Garden Dr, Elgin, IL 60124 Property Records

Kane County property record for 281 Garden Dr, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	6 bd · 2.5 ba · 1,981 sqft · built 2007
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on Record
Last Sale	$194,000 (Sep 2014)
Tax Bill	$9,779 (2025)
Deeds & Mortgages	Jul 2024 Mortgage Jul 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-18-405-015`

Property Details

APN / Parcel Number

Primary APN	`06-18-405-015`

Interior

Bedrooms	6 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,981 sqft Living Area
Gross Area	3,032 sqft
Basement Area	1,051 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
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	281 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 290
Legal Subdivision	WEST POINT GARDENS
Legal Phase	1
Legal Block	2
Legal Lot Number	290
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	2 Individual Names on Record
Mailing Address	281 GARDEN DR, ELGIN, IL 60124-0230
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2024	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA
Jul 18, 2025	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA
May 16, 2017	Deed of Trust, Mortgage · Commercial Mortgage FIRST MIDWEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 26, 2014 · Amount on Record
Deed Sale	Sep 26, 2014 · Amount on Record
Prior Sale	Mar 26, 2014
Deed Document Number	201447966
Last Transfer Date	Apr 6, 2015
Transfer Doc	0000017334
Record Updated	Oct 29, 2026

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	281 GARDEN DR, ELGIN, IL 60124-0230
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	281 GARDEN DR, ELGIN, IL 60124-0230

Mortgage

Document Number	0000023910
Date	Jul 10, 2024
Instrument	2024K023910

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2054

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	281 GARDEN DR, ELGIN, IL 60124-0230
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	281 GARDEN DR, ELGIN, IL 60124-0230

Mortgage

Document Number	0000026604
Date	Jul 18, 2025
Instrument	2025K026604

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2055

Interest

Rate	6.87%

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	281 GARDEN DR, ELGIN, IL 60124-0230
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024941
Date	May 16, 2017
Instrument	2017K024941

Lender

Name	FIRST MIDWEST BANK
Type	Bank
Address	ITASCA, IL 60143

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 5, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$9,779.00 (+7.66%) Homeowner's exemption	$132,872 (+8.57%) Land $43,240 Building $89,632	$398,776 (+8.57%) Land $129,772 Building $269,004
2024		$122,384 (+21.39%) Land $39,827 Building $82,557	$367,299 (+21.44%) Land $119,529 Building $247,770
2022	$9,083.00 (+3.47%) Homeowner's exemption	$100,816 (+6.96%) Land $32,808 Building $68,008	$302,448 (+6.96%) Land $98,424 Building $204,024
2021	$8,778.00 Homeowner's exemption	$94,256 Land $30,673 Building $63,583	$282,768 Land $92,019 Building $190,749

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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