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321 Monument Rd, Elgin, IL 60124 Property Records

Kane County property record for 321 Monument Rd, Elgin, IL 60124 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,708 sqft · built 2006
Lot Size0.26 acres (11,326 sqft)
OwnerIndividual Name on File
Last Sale$305,000 (Aug 2020)
Tax Bill$11,214 (2025)
Deeds & MortgagesFeb 2024 Second Mortgage
Apr 2022 Line of Credit
+ 2 more
Flood ZoneZone X (minimal risk)
APN05-24-286-007

Property Details

APN / Parcel Number

Primary APN05-24-286-007

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,708 sqft Living Area
Basement Area1,354 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2006
Construction TypeFrame
Lot Area11,326 sqft (0.26 acres)
Garage TypeAttached
Garage Area550 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch

Location & Zoning

Street Address321 MONUMENT RD
CityELGIN
StateIL
Zip60124-3818
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSHADOW HILL UNIT 3 LT 219
Legal SubdivisionSHADOW HILL
Legal Block1
Legal Lot Number219
Legal Unit3
JurisdictionKANE IL
Township / Civil DivisionPLATO
Census Block Group1
Census Block1000
Census Tract850711

Owner

Source: Kane County records · APN 05-24-286-007

Assessment roll updated July 23, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address321 MONUMENT RD, ELGIN, IL 60124-3818
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 22, 2024Deed of Trust, Mortgage · Stand-Alone Second Mortgage
PENNYMAC LOAN SERVICES LLC
Apr 07, 2022Deed of Trust, Mortgage · Line of Credit
SPRING EQ LLC
Aug 27, 2020Warranty Deed, Transfer · FHA Mortgage
DRAPER & KRAMER MORTGAGE CORP
Mar 06, 2018Loan Modification, Mortgage
FEDERAL NAT'L MTG ASSN (FNMA)

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleAug 27, 2020 · Amount on Record
Deed SaleAug 27, 2020 · Amount on Record
Prior SaleJan 03, 2007 · Amount on Record
Deed Document Number202048901
Record UpdatedSep 20, 2026

February 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address321 MONUMENT RD, ELGIN, IL 60124-3818
Transaction TypeMortgage
Record UpdatedMar 01, 2024
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address321 MONUMENT RD, ELGIN, IL 60124-3818

Mortgage

Document Number0000005672
DateFeb 22, 2024
Instrument2024K005672
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressMOORPARK, CA 93021
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded
Term319 Months
DueSep 01, 2050

April 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address321 MONUMENT RD, ELGIN, IL 60124-3818
Transaction TypeMortgage
Record UpdatedSep 15, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address321 MONUMENT RD, ELGIN, IL 60124-3818

Mortgage

Document Number0000019157
DateApr 07, 2022
Instrument2022K019157
Lender
NameSPRING EQ LLC
TypeMortgage Company
AddressPHILADELPHIA, PA 19104
Agreement
TypeLine of Credit
AmountAmount Recorded
Term359 Months
DueMar 26, 2052
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

August 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKANE IL
Recording DateAug 27, 2020
Property Address321 MONUMENT RD, ELGIN, IL 60124-3818
Document Number0000048901
Map ReferenceDOC 2005K097818
Instrument DateApr 12, 2020
Instrument2020K048901
Transaction TypeTransfer
Record UpdatedSep 15, 2022
Title CompanyAMERICAN NATIONAL TITLE SERV

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$305.00
Amount AccuracyRounded by County
Additional
  • Lis Pendens
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address321 MONUMENT RD, 321, ELGIN, IL 60124-3818

Transferred To (Grantee/Buyer)

NameVerified Name
Address321 MONUMENT RD, ELGIN, IL 60124-3818

Mortgage

Document Number0000048902
DateAug 27, 2020
Instrument2020K048902
Lender
NameDRAPER & KRAMER MORTGAGE CORP
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2050
Interest
Rate TypeFixed Rate
Rate2.37%

March 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionKANE IL
Property Address321 MONUMENT RD, ELGIN, IL 60124-3818
Document Number0000044395
Instrument DateMar 06, 2018
Transaction TypeMortgage
Record UpdatedSep 20, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
Address321 MONUMENT RD ELGIN IL 601243818, ELGIN, IL 60124-3818

Mortgage

Document Number0000044395
DateSep 11, 2018
Instrument44395
Lender
NameFEDERAL NAT'L MTG ASSN (FNMA)
TypeMortgage Company
Agreement
AmountAmount Recorded
Term480 Months
DueSep 10, 2058
Interest
Rate3.87%

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated July 23, 2026 · Last verified August 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

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.

YearTax BillAssessed ValueAssessed Market Value
2025$11,214.00 (-3.73%) Homeowner's exemption$151,904 (+8.96%) Land $29,791 Building $122,113$455,894 (+8.96%) Land $89,409 Building $366,486
2024$11,648.00 (+12.35%)$139,410 (+23.67%) Land $27,638 Building $111,772$418,397 (+23.72%) Land $82,947 Building $335,450
2022$10,368.00 (+3.99%) Homeowner's exemption$112,725 (+8.54%) Land $21,357 Building $91,368$338,175 (+8.54%) Land $64,071 Building $274,104
2021$9,970.00 Homeowner's exemption$103,860 Land $20,633 Building $83,227$311,580 Land $61,899 Building $249,681

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 102 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable2,000 / 250
Radiate HoldingsCable1,500 / 50
AT&TFiber1,000 / 1,000

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

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