319 Garden Dr, Elgin, IL 60124 Property Records

Kane County property record for 319 Garden Dr, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Lot Size	0.183 acres (7,992 sqft)
Owner	Individual Name on Record
Last Sale	$326,500 (Jul 2019)
Tax Bill	$10,184 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-18-377-010`

Property Details

APN / Parcel Number

Primary APN	`06-18-377-010`

Exterior

Lot Area	7,992 sqft (0.183 acres)

Location & Zoning

Street Address	319 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 63
Legal Subdivision	WEST POINT GARDENS SOUTH
Legal Phase	1
Legal Block	1
Legal Lot Number	63
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1028
Census Tract	851911

Owner

Source: Kane County records, as of July 21, 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	319 GARDEN DR, ELGIN, IL 60124-1215
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2021	Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC
Jul 17, 2019	Warranty Deed, Subdivision Related Transfer · FHA Mortgage HOMESIDE FINANCIAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 17, 2019 · Amount on Record
Deed Sale	Jul 17, 2019 · Amount on Record
Deed Document Number	201930966
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	319 GARDEN DR, ELGIN, IL 60124-1215
Transaction Type	Mortgage
Record Updated	Oct 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	319 GARDEN DR, ELGIN, IL 60124-1215

Mortgage

Document Number	0000075228
Date	Oct 5, 2021
Instrument	2021K075228

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	OKLAHOMA CITY, OK 73134

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	333 Months
Due	Jul 1, 2049

July 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 17, 2019
Property Address	319 GARDEN DR, ELGIN, IL 60124-1215
Document Number	0000030966
Map Reference	DOC 2017K045734
Instrument Date	Jun 27, 2019
Instrument	2019K030966
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 27, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$326.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	319 GARDEN DR, ELGIN, IL 60124-1215

Mortgage

Document Number	0000030967
Date	Jul 17, 2019
Instrument	2019K030967

Lender

Name	HOMESIDE FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4.12%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of August 25, 2025

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	$10,184.00 (+7.66%) Homeowner's exemption
2024		$128,017 (+21.39%) Land $39,827 Building $88,190	$384,205 (+21.44%) Land $119,529 Building $264,676
2022	$9,459.00 (+3.46%) Homeowner's exemption	$105,456 (+7.69%) Land $32,808 Building $72,648	$316,368 (+7.69%) Land $98,424 Building $217,944
2021	$9,143.00 Homeowner's exemption	$97,927 Land $30,673 Building $67,254	$293,781 Land $92,019 Building $201,762

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	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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