298 Monument Rd, Elgin, IL 60124 Property Records

Kane County property record for 298 Monument Rd, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,708 sqft · built 2006
Lot Size	0.29 acres (12,632 sqft)
Owner	Company Name on Record
Last Sale	$360,500 (Oct 2006)
Tax Bill	$10,504 (2025)
Deeds & Mortgages	Jan 2023 Transfer Dec 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05-24-284-014`

Property Details

APN / Parcel Number

Primary APN	`05-24-284-014`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,708 sqft Living Area
Basement Area	1,354 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Brick
Construction Type	Frame
Lot Area	12,632 sqft (0.29 acres)
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Water Source	Commercial

Location & Zoning

Street Address	298 MONUMENT RD
City	ELGIN
State	IL
Zip	60124-3817
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SHADOW HILL UNIT 3 LT 231
Legal Subdivision	SHADOW HILL
Legal Block	1
Legal Lot Number	231
Legal Unit	3
Jurisdiction	KANE IL
Township / Civil Division	PLATO
Census Block Group	1
Census Block	1003
Census Tract	850711

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	Company Name on Record
Mailing Address	298 MONUMENT RD, ELGIN, IL 60124-3817
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2023	Intrafamily Transfer, Transfer ATTORNEYS TTL GUARANTY FUND
Dec 8, 2017	Deed of Trust, Mortgage · Conventional Mortgage DITECH.COM
Oct 25, 2018	Deed of Trust, Mortgage · Line of Credit US BANK NA
May 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 23, 2006 · Amount on Record
Deed Sale	Oct 23, 2006 · Amount on Record
Deed Document Number	2006115320
Last Transfer Date	Jan 11, 2023
Transfer Doc	0000001763
Record Updated	Oct 29, 2026

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Jan 18, 2023
Property Address	298 MONUMENT RD, ELGIN, IL 60124-3817
Document Number	0000001763
Map Reference	DOC 2005K097818
Instrument Date	Jan 11, 2023
Instrument	2023K001763
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEYS TTL GUARANTY FUND

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	298 MONUMENT RD, ELGIN, IL 60124-3817

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	298 MONUMENT RD, ELGIN, IL 60124-3817

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	298 MONUMENT RD, ELGIN, IL 60124-3817
Transaction Type	Mortgage
Record Updated	Sep 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000063907
Date	Dec 8, 2017
Instrument	2017K063907

Lender

Name	DITECH.COM
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2033

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	298 MONUMENT RD, ELGIN, IL 60124-3817
Transaction Type	Mortgage
Record Updated	Sep 15, 2022
Title Company	SOLIDIFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000052132
Date	Oct 25, 2018
Instrument	2018K052132

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 14, 2048

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	298 MONUMENT RD, ELGIN, IL 60124-3817
Transaction Type	Mortgage
Record Updated	Sep 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000036776
Date	May 11, 2021
Instrument	2021K036776

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2036

Interest

Rate	2.25%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	Plato 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	$10,504.00 (+11.89%)	$148,290 (+7.79%) Land $29,791 Building $118,499	$445,048 (+7.79%) Land $89,409 Building $355,639
2024		$137,573 (+28.74%) Land $27,638 Building $109,935	$412,884 (+28.79%) Land $82,947 Building $329,937
2022	$9,388.00 (+4.36%) Homeowner's exemption	$106,860 (+7.61%) Land $21,357 Building $85,503	$320,580 (+7.61%) Land $64,071 Building $256,509
2021	$8,996.00 Homeowner's exemption	$99,303 Land $20,633 Building $78,670	$297,909 Land $61,899 Building $236,010

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

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.

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	None beyond ember reach

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 102 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	1,000 / 1,000

May also be available: Verizon.

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