302 Monument Rd, Elgin, IL 60124 Property Records

Kane County property record for 302 Monument Rd, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,652 sqft · built 2007
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on Record
Last Sale	$357,500 (Dec 2008)
Tax Bill	$10,962 (2025)
Deeds & Mortgages	Nov 2019 Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-24-284-012`

Property Details

APN / Parcel Number

Primary APN	`05-24-284-012`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,652 sqft Living Area
Basement Area	1,354 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Brick
Construction Type	Frame
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	302 MONUMENT RD
City	ELGIN
State	IL
Zip	60124-3818
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SHADOW HILL UNIT 3 LT 233
Legal Subdivision	SHADOW HILL
Legal Block	1
Legal Lot Number	233
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	2 Individual Names on Record
Mailing Address	302 MONUMENT RD, ELGIN, IL 60124-3818
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Jun 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 19, 2008 · Amount on Record
Deed Sale	Dec 19, 2008 · Amount on Record
Deed Document Number	200892196
Last Transfer Date	Oct 8, 2013
Transfer Doc	0000077533
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	302 MONUMENT RD, ELGIN, IL 60124-3818
Transaction Type	Mortgage
Record Updated	Sep 15, 2022
Title Company	TEK TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000055519
Date	Nov 15, 2019
Instrument	2019K055519

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	239 Months
Due	Oct 1, 2039

Interest

Rate	3.75%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	302 MONUMENT RD, ELGIN, IL 60124-3818
Transaction Type	Mortgage
Record Updated	Sep 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000075550
Date	Dec 7, 2020
Instrument	2020K075550

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	175 Months
Due	Jul 1, 2035

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	302 MONUMENT RD, ELGIN, IL 60124-3818
Transaction Type	Mortgage
Record Updated	Sep 15, 2022
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000045089
Date	Jun 14, 2021
Instrument	2021K045089

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	176 Months
Due	Feb 1, 2036

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	$10,962.00 (+1.67%) Homeowner's exemption Senior Citizen's exemption	$154,055 (+7.79%) Land $29,791 Building $124,264	$462,350 (+7.79%) Land $89,409 Building $372,941
2024		$142,921 (+23.12%) Land $27,638 Building $115,283	$428,935 (+23.17%) Land $82,947 Building $345,987
2022	$10,782.00 (+3.97%) Homeowner's exemption	$116,084 (+7.69%) Land $21,357 Building $94,727	$348,252 (+7.69%) Land $64,071 Building $284,181
2021	$10,370.00 Homeowner's exemption	$107,790 Land $20,633 Building $87,157	$323,370 Land $61,899 Building $261,471

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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