Kane County property record for 287 Monument Rd, Elgin, IL 60124
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $524,000 (Jul 2023) |
| Tax Bill | $12,273 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Jul 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-19-185-010 |
| Primary APN | 06-19-185-010 |
|---|
| Lot Area | 10,890 sqft (0.25 acres) |
|---|---|
| Lot Dimensions | 135 ft deep x 81 ft wide |
| Street Address | 287 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 128 |
| Legal Subdivision | SHADOW HILL |
| Legal Block | 1 |
| Legal Lot Number | 128 |
| Legal Unit | 4 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 851911 |
Source: Kane County records, as of July 21, 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 287 MONUMENT RD, ELGIN, IL 60124-3817 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Feb 27, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jul 6, 2023 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 6, 2023 · Amount on Record |
| Deed Sale | Jul 6, 2023 · Amount on Record |
| Prior Sale | Sep 19, 2016 · Amount on Record |
| Deed Document Number | 202322406 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 287 MONUMENT RD, ELGIN, IL 60124-3817 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 287 MONUMENT RD, ELGIN, IL 60124-3817 |
| Document Number | 0000008070 |
|---|---|
| Date | Feb 27, 2026 |
| Instrument | 2026K008070 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Mar 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.99% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jul 6, 2023 |
| Property Address | 287 MONUMENT RD, ELGIN, IL 60124-3817 |
| Document Number | 0000022406 |
| Map Reference | DOC 2006K071565 |
| Instrument Date | Jun 21, 2023 |
| Instrument | 2023K022406 |
| Transaction Type | Transfer |
| Record Updated | Jul 14, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $524.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 287 MONUMENT RD, ELGIN, IL 60124-3817 |
| Document Number | 0000022407 |
|---|---|
| Date | Jul 6, 2023 |
| Instrument | 2023K022407 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 1, 2038 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.49% |
Source: Kane County assessment roll, as of December 26, 2025
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $12,273.00 (+7.67%) | ||
| 2024 | $151,722 (+21.39%) Land $39,827 Building $111,895 | $455,348 (+21.44%) Land $119,529 Building $335,819 | |
| 2022 | $11,399.00 (+3.38%) Homeowner's exemption | $124,984 (+6.96%) Land $32,808 Building $92,176 | $374,952 (+6.96%) Land $98,424 Building $276,528 |
| 2021 | $11,026.00 Homeowner's exemption | $116,851 Land $30,673 Building $86,178 | $350,553 Land $92,019 Building $258,534 |
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.
Source: FEMA National Flood Hazard Layer, effective October 8, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 232 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Astound Broadband Cable | 1,500 / 50 |
| AT&T Fiber · Fixed Wireless in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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