312 Monument Rd, Elgin, IL 60124 Property Records

Kane County property record for 312 Monument Rd, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,590 sqft · built 2007
Lot Size	0.29 acres (12,632 sqft)
Owner	Individual Name on Record
Last Sale	$540,000 (Feb 2026)
Tax Bill	$12,383 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Aug 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-24-283-012`

Property Details

APN / Parcel Number

Primary APN	`05-24-283-012`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,590 sqft Living Area
Basement Area	1,719 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Brick
Construction Type	Frame
Lot Area	12,632 sqft (0.29 acres)
Garage Area	425 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	312 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 238
Legal Subdivision	SHADOW HILL
Legal Block	1
Legal Lot Number	238
Legal Unit	3
Jurisdiction	KANE IL
Township / Civil Division	PLATO
Census Block Group	1
Census Block	1001
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	Individual Name on Record
Mailing Address	2153 LAUREL AVE, HANOVER PARK, IL 60133-3202
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2026	Warranty Deed, Transfer · Conventional Mortgage NEXBANK SSB
Aug 31, 2018	Deed of Trust, Mortgage · Conventional Mortgage DITECH FINANCIAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 2, 2026 · Amount on Record
Deed Sale	Feb 2, 2026 · Amount on Record
Prior Sale	Feb 28, 2008 · Amount on Record
Deed Document Number	20264242
Record Updated	Oct 29, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Feb 2, 2026
Property Address	312 MONUMENT RD, ELGIN, IL 60124-3818
Document Number	0000004242
Map Reference	DOC 2005K097818
Instrument Date	Jan 8, 2026
Instrument	2026K004242
Transaction Type	Transfer
Record Updated	Feb 11, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$540.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 MONUMENT RD, ELGIN, IL 60124-3818
Investor	Possibly a Property Investor

Mortgage

Document Number	0000004243
Date	Feb 2, 2026
Instrument	2026K004243

Lender

Name	NEXBANK SSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	312 MONUMENT RD, ELGIN, IL 60124-3818
Transaction Type	Mortgage
Record Updated	Sep 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000042936
Date	Aug 31, 2018
Instrument	2018K042936

Lender

Name	DITECH FINANCIAL LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

Interest

Rate Type	Fixed Rate
Rate	4.99%

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	$12,383.00 (-4.15%)	$155,948 (+7.79%) Land $29,791 Building $126,157	$468,031 (+7.79%) Land $89,409 Building $378,622
2024	$12,919.00 (+4.06%)	$144,678 (+14.14%) Land $27,638 Building $117,040	$434,208 (+14.18%) Land $82,947 Building $351,261
2022	$12,415.00 (-0.5%)	$126,760 (+3.51%) Land $21,357 Building $105,403	$380,280 (+3.51%) Land $64,071 Building $316,209
2021	$12,477.00	$122,462 Land $20,633 Building $101,829	$367,386 Land $61,899 Building $305,487

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	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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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