287 Garden Dr, Elgin, IL 60124 Property Records

Kane County property record for 287 Garden Dr, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,981 sqft · built 2007
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on Record
Last Sale	$276,000 (Dec 2018)
Tax Bill	$9,910 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Oct 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-18-405-018`

Property Details

APN / Parcel Number

Primary APN	`06-18-405-018`

Interior

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

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	287 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 293
Legal Subdivision	WEST POINT GARDENS
Legal Phase	1
Legal Block	2
Legal Lot Number	293
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	287 GARDEN DR, ELGIN, IL 60124-0230
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2022	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Oct 18, 2019	Deed of Trust, Mortgage · FHA Mortgage LIFESTONE MORTGAGE CORP
Dec 10, 2018	Warranty Deed, Transfer · Conventional Mortgage LIFESTONE MORTGAGE CORP
Jun 25, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 10, 2018 · Amount on Record
Deed Sale	Dec 10, 2018 · Amount on Record
Prior Sale	Nov 6, 2009 · Amount on Record
Deed Document Number	201859107
Prior Transfer Date	May 30, 2018
Prior Transfer Doc	0000030152
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	287 GARDEN DR, ELGIN, IL 60124-0230
Transaction Type	Mortgage
Record Updated	Apr 17, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	287 GARDEN DR, ELGIN, IL 60124-0230

Mortgage

Document Number	0000021334
Date	Apr 20, 2022
Instrument	2022K021334

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	287 GARDEN DR, ELGIN, IL 60124-0230
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NEAR NORTH TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000049648
Date	Oct 18, 2019
Instrument	2019K049648

Lender

Name	LIFESTONE MORTGAGE CORP
Type	Mortgage Company
Address	HAMPSHIRE, IL 60140

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

Interest

Rate Type	Fixed Rate
Rate	3.5%

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Dec 10, 2018
Property Address	287 GARDEN DR, ELGIN, IL 60124-0230
Document Number	0000059107
Map Reference	DOC2006K091077
Instrument Date	Nov 28, 2018
Instrument	2018K059107
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$276.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	287 GARDEN DR, ELGIN, IL 60124-0230

Mortgage

Document Number	0000059108
Date	Dec 10, 2018
Instrument	2018K059108

Lender

Name	LIFESTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2048

Interest

Rate Type	Fixed Rate
Rate	5.12%
Type Change Date	Dec 1, 2048

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Jun 25, 2018
Property Address	287 GARDEN DR, ELGIN, IL 60124-0230
Document Number	0000030152
Instrument Date	May 30, 2018
Instrument	30152
Transaction Type	Transfer
Record Updated	Jul 9, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	287 GARDEN DR ELGIN IL 601240230, ELGIN, IL 60124-0230

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	$9,910.00 (+7.67%) Homeowner's exemption	$134,540 (+8.57%) Land $43,240 Building $91,300	$403,782 (+8.57%) Land $129,772 Building $274,010
2024		$123,920 (+21.39%) Land $39,827 Building $84,093	$371,909 (+21.44%) Land $119,529 Building $252,380
2022	$9,204.00 (+3.46%) Homeowner's exemption	$102,081 (+6.96%) Land $32,808 Building $69,273	$306,243 (+6.96%) Land $98,424 Building $207,819
2021	$8,896.00 Homeowner's exemption	$95,438 Land $30,673 Building $64,765	$286,314 Land $92,019 Building $194,295

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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