314 Monument Rd, Elgin, IL 60124 Property Records

Kane County property record for 314 Monument Rd, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,106 sqft · built 2006
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on File
Last Sale	$305,000 (May 2018)
Tax Bill	$12,451 (2025)
Deeds & Mortgages	Aug 2020 Mortgage May 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-24-283-011`

Property Details

APN / Parcel Number

Primary APN	`05-24-283-011`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,106 sqft Living Area
Basement Area	1,524 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Brick
Construction Type	Frame
Lot Area	11,326 sqft (0.26 acres)
Garage Area	1,562 sqft
Parking Spaces	6 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Water Source	Commercial

Location & Zoning

Street Address	314 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 239
Legal Subdivision	SHADOW HILL
Legal Block	1
Legal Lot Number	239
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	314 MONUMENT RD, ELGIN, IL 60124-3818
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage BJV FINANCIAL SERVICES INC
May 2, 2019	Deed of Trust, Mortgage · Line of Credit CREDIT UNION ONE
May 24, 2018	Warranty Deed, Transfer · Conventional Mortgage BJV FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 24, 2018 · Amount on File
Deed Sale	May 24, 2018 · Amount on File
Prior Sale	Oct 23, 2006 · Amount on File
Deed Document Number	201824106
Prior Transfer Date	Mar 28, 2011
Prior Transfer Doc	0000024131
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	314 MONUMENT RD, ELGIN, IL 60124-3818
Transaction Type	Mortgage
Record Updated	Sep 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000043149
Date	Aug 5, 2020
Instrument	2020K043149

Lender

Name	BJV FINANCIAL SERVICES INC
Type	Mortgage Company
Address	CHICAGO, IL 60631

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2050

Interest

Rate	3.12%

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	314 MONUMENT RD, ELGIN, IL 60124-3818
Document Number	0000019193
Instrument Date	May 2, 2019
Transaction Type	Mortgage
Record Updated	May 23, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 MONUMENT RD ELGIN IL 601243818, ELGIN, IL 60124-3818

Mortgage

Document Number	0000019193
Date	May 14, 2019
Instrument	19193

Lender

Name	CREDIT UNION ONE
Type	Credit Union
Address	RANTOUL, IL 61866

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	May 13, 2039

Interest

Rate Type	Adjustable Rate

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 24, 2018
Property Address	314 MONUMENT RD, ELGIN, IL 60124-3818
Document Number	0000024106
Map Reference	DOC2005K097818
Instrument Date	May 12, 2018
Instrument	2018K024106
Transaction Type	Transfer
Record Updated	Sep 15, 2022
Title Company	PRAIRIE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$305.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 MONUMENT RD, ELGIN, IL 60124-3818

Mortgage

Document Number	0000024107
Date	May 24, 2018
Instrument	2018K024107

Lender

Name	BJV FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

Interest

Rate	4.75%

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	$12,451.00 (+11.55%) Homeowner's exemption	$164,803 (+4.23%) Land $29,791 Building $135,012	$494,607 (+4.23%) Land $89,409 Building $405,198
2024		$158,112 (+31.28%) Land $27,638 Building $130,474	$474,526 (+31.34%) Land $82,947 Building $391,579
2022	$11,162.00 (+4.01%) Homeowner's exemption	$120,435 (+7.73%) Land $21,357 Building $99,078	$361,305 (+7.73%) Land $64,071 Building $297,234
2021	$10,732.00 Homeowner's exemption	$111,793 Land $20,633 Building $91,160	$335,379 Land $61,899 Building $273,480

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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