Kane County property record for 313 Monument Rd, Elgin, IL 60124
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,886 sqft · built 2006 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on File |
| Last Sale | $601,500 (May 2026) |
| Tax Bill | $11,926 (2025) |
| Deeds & Mortgages | Jan 2026 Line of Credit May 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-24-286-011 |
| Primary APN | 05-24-286-011 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,886 sqft Living Area |
| Basement Area | 1,510 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Lot Area | 10,890 sqft (0.25 acres) |
| Garage Area | 492 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Cooling System | Central |
|---|
| Street Address | 313 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 223 |
| Legal Subdivision | SHADOW HILL |
| Legal Block | 1 |
| Legal Lot Number | 223 |
| Legal Unit | 3 |
| Jurisdiction | KANE IL |
| Township / Civil Division | PLATO |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 850711 |
Source: Kane County assessment roll, as of December 26, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 217 COMSTOCK DR, ELGIN, IL 60124-3811 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jan 5, 2026 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| May 21, 2026 | Warranty Deed, Transfer · Conventional Mortgage NMSI INC |
| Apr 25, 2019 | Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 21, 2026 · Amount on Record |
| Deed Sale | May 21, 2026 · Amount on Record |
| Prior Sale | Apr 25, 2019 · Amount on Record |
| Deed Document Number | 202620834 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 313 MONUMENT RD, ELGIN, IL 60124-3818 |
| Transaction Type | Mortgage |
| Record Updated | Jun 1, 2026 |
| Name | Verified Name |
|---|---|
| Address | 313 MONUMENT RD, ELGIN, IL 60124-3818 |
| Document Number | 0000000196 |
|---|---|
| Date | Jan 5, 2026 |
| Instrument | 2026K000196 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 479 Months |
| Due | Dec 22, 2065 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | May 21, 2026 |
| Property Address | 313 MONUMENT RD, ELGIN, IL 60124-3818 |
| Document Number | 0000020834 |
| Instrument Date | May 11, 2026 |
| Instrument | 202620834 |
| Transaction Type | Transfer |
| Record Updated | May 29, 2026 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $91,127.25 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 217 COMSTOCK DR, ELGIN, IL 60124-3811 |
| Document Number | 0000020835, |
|---|---|
| Date | May 21, 2026 |
| Instrument | 202620835 |
| Name | NMSI INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.63% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Apr 25, 2019 |
| Property Address | 313 MONUMENT RD, ELGIN, IL 60124-3818 |
| Document Number | 0000016134 |
| Map Reference | DOC 2005K097818 |
| Instrument Date | Apr 22, 2019 |
| Instrument | 2019K016134 |
| Transaction Type | Transfer |
| Record Updated | Sep 15, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $324.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 313 MONUMENT RD, ELGIN, IL 60124-3818 |
| Document Number | 0000016136 |
|---|---|
| Date | Apr 25, 2019 |
| Instrument | 2019K016136 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2049 |
Source: Kane County assessment roll, as of December 26, 2025
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $11,926.00 (-3.75%) Homeowner's exemption | ||
| 2024 | $12,391.00 (+15.56%) | $146,768 (+27.09%) Land $27,638 Building $119,130 | $440,480 (+27.14%) Land $82,947 Building $357,533 |
| 2022 | $10,723.00 (+1.11%) Homeowner's exemption | $115,483 (+4.89%) Land $21,357 Building $94,126 | $346,449 (+4.89%) Land $64,071 Building $282,378 |
| 2021 | $10,605.00 Homeowner's exemption | $110,094 Land $20,633 Building $89,461 | $330,282 Land $61,899 Building $268,383 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 |
| 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.
Source: FCC Broadband Data Collection, based on 232 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Radiate Holdings Cable | 1,500 / 50 |
| AT&T Fiber · Fixed Wireless in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
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