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318 Monument Rd, Elgin, IL 60124 Property Records

Kane County property record for 318 Monument Rd, Elgin, IL 60124

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 3,294 sqft · built 2006
Lot Size0.26 acres (11,326 sqft)
Owner2 Individual Names on File
Last Sale$496,000 (Oct 2022)
Tax Bill$13,671 (2025)
Deeds & MortgagesOct 2022 Sale & Mortgage
Dec 2018 Transfer
Flood ZoneZone X (minimal risk)
APN05-24-283-009

Property Details

APN / Parcel Number

Primary APN05-24-283-009

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms11 Rooms
Stories2 Stories
Building Area3,294 sqft Living Area
Basement Area1,592 sqft

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2006
Exterior MaterialBrick
Construction TypeFrame
Lot Area11,326 sqft (0.26 acres)
Garage Area450 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch

Utilities, Heating & Cooling

Cooling SystemNone
Water SourceCommercial

Location & Zoning

Street Address318 MONUMENT RD
CityELGIN
StateIL
Zip60124-3818
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSHADOW HILL UNIT 3 LT 241
Legal SubdivisionSHADOW HILL
Legal Block1
Legal Lot Number241
Legal Unit3
JurisdictionKANE IL
Township / Civil DivisionPLATO
Census Block Group1
Census Block1001
Census Tract850711

Owner

318 Monument Rd is owned and occupied by two individuals who bought it in October 2022.

Source: Kane County records, as of July 23, 2026

Owner of Record2 Individual Names on File
Mailing Address318 MONUMENT RD, ELGIN, IL 60124-3818
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants 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

DateDocument
Oct 5, 2022Warranty Deed, Transfer · Conventional Mortgage
DRAPER & KRAMER MORTGAGE CORP
Dec 28, 2018Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 5, 2022 · Amount on File
Deed SaleOct 5, 2022 · Amount on File
Prior SaleNov 4, 2020
Deed Document Number202249022
Prior Transfer DateNov 8, 2018
Prior Transfer Doc0000062112
Record UpdatedOct 29, 2026

October 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKANE IL
Recording DateOct 5, 2022
Property Address318 MONUMENT RD, ELGIN, IL 60124-3818
Document Number0000049022
Map ReferenceDOC 2005K097818
Instrument DateAug 30, 2022
Instrument2022K049022
Transaction TypeTransfer
Record UpdatedOct 11, 2022
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$496.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address318 MONUMENT RD, ELGIN, IL 60124-3818

Mortgage

Document Number0000049023
DateOct 5, 2022
Instrument2022K049023
Lender
NameDRAPER & KRAMER MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term359 Months
DueSep 1, 2052
Interest
Rate TypeFixed Rate
Rate5.12%

December 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionKANE IL
Recording DateDec 28, 2018
Property Address318 MONUMENT RD, ELGIN, IL 60124-3818
Document Number0000062112
Instrument DateNov 8, 2018
Instrument62112
Transaction TypeTransfer
Record UpdatedJan 9, 2019
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address318 MONUMENT RD ELGIN IL 601243818, ELGIN, IL 60124-3818

Tax Assessment & Valuation

The 2025 property tax bill for 318 Monument Rd was $13,671 with a homeowner's exemption.

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

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionPlato Township
MunicipalityElgin City
Unified School DistrictCentral Community Unit School District 301 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$13,671.00 Homeowner's exemption$180,171 (+4.17%) Land $29,791 Building $150,380$540,729 (+4.17%) Land $89,409 Building $451,321
2024$172,963 Land $27,638 Building $145,325$519,097 Land $82,947 Building $436,149
2022$11,505.00 (+4%) Homeowner's exemption$123,470 (+7.75%) Land $21,357 Building $102,113$370,410 (+7.75%) Land $64,071 Building $306,339
2021$11,063.00 Homeowner's exemption$114,585 Land $20,633 Building $93,952$343,755 Land $61,899 Building $281,856

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 318 Monument Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 318 Monument Rd has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot 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

ProviderMax 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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