315 Garden Dr, Elgin, IL 60124 Property Records

Kane County property record for 315 Garden Dr, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Owner	2 Individual Names on File
Last Sale	$515,000 (Jun 2024)
Tax Bill	$10,174 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Sep 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-18-377-012`

Property Details

APN / Parcel Number

Primary APN	`06-18-377-012`

Location & Zoning

Street Address	315 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 65
Legal Subdivision	WEST POINT GARDENS SOUTH
Legal Phase	1
Legal Block	1
Legal Lot Number	65
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1028
Census Tract	851911

Owner

315 Garden Dr is owned by two individuals who bought it in June 2024.

Source: Kane County records, as of August 11, 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	2 Individual Names on File
Mailing Address	1278 SILK OAK LN, BARTLETT, IL 60103-1595
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 12, 2022	Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Dec 15, 2021	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING LLC
Mar 18, 2019	Grant Deed, Subdivision Related Transfer · FHA Mortgage M&I FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2024 · Amount on File
Deed Sale	Jun 25, 2024 · Amount on File
Prior Sale	Mar 18, 2019 · Amount on File
Deed Document Number	202421947
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Recording Date	Aug 4, 2026
Property Address	315 GARDEN DR, ELGIN, IL 60124-1215
Document Number	0000033220
Instrument Date	Jul 30, 2026
Instrument	202633220
Transaction Type	Mortgage
Record Updated	Aug 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 GARDEN DR, ELGIN, IL 60124-1215

Mortgage

Document Number	0000033220,
Date	Aug 4, 2026
Instrument	202633220

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.43%
Initial Type	Fixed Rate
Max Rate	-1%

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	315 GARDEN DR, ELGIN, IL 60124-1215
Transaction Type	Mortgage
Record Updated	Sep 20, 2022
Title Company	FIRST AMERICAN MORTGAGE SOLU

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000045469
Date	Sep 12, 2022
Instrument	2022K045469

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Fixed Rate
Rate	5.75%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	315 GARDEN DR, ELGIN, IL 60124-1215
Transaction Type	Mortgage
Record Updated	Dec 28, 2021
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000092962
Date	Dec 15, 2021
Instrument	2021K092962

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	355 Months
Due	Jul 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.37%

March 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	KANE IL
Recording Date	Mar 18, 2019
Property Address	315 GARDEN DR, ELGIN, IL 60124-1215
Document Number	0000010323
Instrument Date	Mar 13, 2019
Instrument	10323
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 28, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$465.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	315 GARDEN DR ELGIN IL 601241215, ELGIN, IL 60124-1215

Mortgage

Document Number	10324
Date	Mar 18, 2019
Instrument	10324

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 17, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 315 Garden Dr was $10,174.

Source: Kane County assessment roll, as of July 23, 2026

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	$10,174.00	$137,921 (+8.57%) Land $43,240 Building $94,681	$413,929 (+8.57%) Land $129,772 Building $284,157
2024		$127,034 Land $39,827 Building $87,207	$381,255 Land $119,529 Building $261,726
2022	$9,450.00 (+3.46%) Homeowner's exemption	$104,646 (+6.96%) Land $32,808 Building $71,838	$313,938 (+6.96%) Land $98,424 Building $215,514
2021	$9,134.00 Homeowner's exemption	$97,836 Land $30,673 Building $67,163	$293,508 Land $92,019 Building $201,489

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 315 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 315 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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