311 Garden Dr, Elgin, IL 60124 Property Records

Kane County property record for 311 Garden Dr, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Lot Size	0.176 acres (7,705 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (Jul 2018)
Tax Bill	$10,842 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jul 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-18-377-014`

Property Details

APN / Parcel Number

Primary APN	`06-18-377-014`

Exterior

Lot Area	7,705 sqft (0.176 acres)

Location & Zoning

Street Address	311 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 67
Legal Subdivision	WEST POINT GARDENS SOUTH
Legal Phase	1
Legal Block	1
Legal Lot Number	67
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1028
Census Tract	851911

Owner

311 Garden Dr is owned and occupied by two individuals who bought it in July 2018.

Source: Kane County records, as of July 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	311 GARDEN DR, ELGIN, IL 60124-1215
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC
Jul 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 29, 2019	Deed of Trust, Mortgage QUICKEN LNS
Jul 10, 2018	Grant Deed, Subdivision Related Transfer · Conventional Mortgage M&I FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2018 · Amount on File
Deed Sale	Jul 10, 2018 · Amount on File
Deed Document Number	201832979
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	311 GARDEN DR, ELGIN, IL 60124-1215
Transaction Type	Mortgage
Record Updated	Apr 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000030314
Date	Apr 19, 2021
Instrument	2021K030314

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company
Address	LEWISVILLE, TX 75057

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	239 Months
Due	Mar 1, 2041

Interest

Rate Type	Fixed Rate
Rate	2.5%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	311 GARDEN DR, ELGIN, IL 60124-1215
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000041541
Date	Jul 29, 2020
Instrument	2020K041541

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Jul 1, 2045

Interest

Rate Type	Fixed Rate
Rate	2.99%

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	311 GARDEN DR, ELGIN, IL 60124-1215
Document Number	0000028911
Instrument Date	Jun 29, 2019
Transaction Type	Mortgage
Record Updated	Jul 19, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	311 GARDEN DR ELGIN IL 601241215, ELGIN, IL 60124-1215

Mortgage

Document Number	0000028911
Date	Jul 8, 2019
Instrument	28911

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 7, 2049

July 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	KANE IL
Recording Date	Jul 10, 2018
Property Address	311 GARDEN DR, ELGIN, IL 60124-1215
Document Number	0000032979
Instrument Date	Jun 29, 2018
Instrument	32979
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 24, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$487.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	311 GARDEN DR ELGIN IL 601241215, ELGIN, IL 60124-1215

Mortgage

Document Number	32980
Date	Jul 10, 2018
Instrument	32980

Lender

Name	M&I FIN'L
Type	Funding / Finance Company
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 9, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 311 Garden Dr was $10,842 with a homeowner's exemption.

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	$10,842.00 Homeowner's exemption
2024		$134,893 Land $39,827 Building $95,066	$404,841 Land $119,529 Building $285,312
2022	$10,070.00 (+3.43%) Homeowner's exemption	$111,120 (+6.96%) Land $32,808 Building $78,312	$333,360 (+6.96%) Land $98,424 Building $234,936
2021	$9,736.00 Homeowner's exemption	$103,889 Land $30,673 Building $73,216	$311,667 Land $92,019 Building $219,648

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

FEMA maps place 311 Garden Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 311 Garden Dr is low, with less than a 0.01% annual chance of 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 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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