307 Garden Dr, Elgin, IL 60124 Property Records

Kane County property record for 307 Garden Dr, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Lot Size	0.184 acres (8,033 sqft)
Owner	2 Individual Names on File
Last Sale	$358,500 (Jun 2019)
Tax Bill	$11,571 (2025)
Deeds & Mortgages	Jun 2023 Second Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-18-377-016`

Property Details

APN / Parcel Number

Primary APN	`06-18-377-016`

Exterior

Lot Area	8,033 sqft (0.184 acres)

Location & Zoning

Street Address	307 GARDEN DR
City	ELGIN
State	IL
Zip	60124-1215
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WEST POINT GARDENS SOUTH PHASE 1 LOT 69
Legal Subdivision	WEST POINT GARDENS SOUTH
Legal Phase	1
Legal Block	1
Legal Lot Number	69
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1028
Census Tract	851911

Owner

Source: Kane County assessment roll, as of August 25, 2025

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 File
Mailing Address	307 GARDEN DR, ELGIN, IL 60124-1215
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Feb 14, 2020	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jun 11, 2019	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 11, 2019 · Amount on Record
Deed Sale	Jun 11, 2019 · Amount on Record
Deed Document Number	201924149
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	307 GARDEN DR, ELGIN, IL 60124-1215
Transaction Type	Mortgage
Record Updated	Jun 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019672
Date	Jun 15, 2023
Instrument	2023K019672

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	WAYNE, PA 19087

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 1, 2043

Interest

Rate	8.32%

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	307 GARDEN DR, ELGIN, IL 60124-1215
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	GREATER ILLINOIS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008292
Date	Feb 14, 2020
Instrument	2020K008292

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Mar 1, 2049

Interest

Rate	3.08%

June 2019: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 11, 2019
Property Address	307 GARDEN DR, ELGIN, IL 60124-1215
Document Number	0000024149
Instrument Date	May 29, 2019
Instrument	2019K024149
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 27, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$358.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	307 GARDEN DR, ELGIN, IL 60124-1215

Mortgage

Document Number	0000024150
Date	Jun 11, 2019
Instrument	2019K024150

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

Interest

Rate	4.37%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of August 25, 2025

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	$11,571.00 (+7.67%) Homeowner's exemption
2024		$143,462 (+21.39%) Land $39,827 Building $103,635	$430,558 (+21.44%) Land $119,529 Building $311,029
2022	$10,747.00 (+3.41%) Homeowner's exemption	$118,179 (+6.96%) Land $32,808 Building $85,371	$354,537 (+6.96%) Land $98,424 Building $256,113
2021	$10,393.00 Homeowner's exemption	$110,489 Land $30,673 Building $79,816	$331,467 Land $92,019 Building $239,448

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	Direct burnable vegetation at the parcel

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
Radiate Holdings Cable	1,500 / 50

May also be available: Verizon.

Nearby Properties on Garden Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures