322 Monument Rd, Elgin, IL 60124 Property Records

Kane County property record for 322 Monument Rd, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,606 sqft · built 2006
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on Record
Last Sale	$355,000 (Jun 2015)
Tax Bill	$11,779 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-24-283-007`

Property Details

APN / Parcel Number

Primary APN	`05-24-283-007`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,606 sqft Living Area
Basement Area	1,719 sqft

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	425 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	322 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 243
Legal Subdivision	SHADOW HILL
Legal Block	1
Legal Lot Number	243
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 21, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	322 MONUMENT RD, ELGIN, IL 60124-3818
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage MIDWEST COMMUNITY BANK
Jul 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage MIDWEST COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2015 · Amount on Record
Deed Sale	Jun 10, 2015 · Amount on Record
Prior Sale	Nov 17, 2006 · Amount on Record
Deed Document Number	201529716
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	322 MONUMENT RD, ELGIN, IL 60124-3818
Transaction Type	Mortgage
Record Updated	Sep 15, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000040031
Date	Jul 23, 2020
Instrument	2020K040031

Lender

Name	MIDWEST COMMUNITY BANK
Type	Bank
Address	FREEPORT, IL 61032

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	322 MONUMENT RD, ELGIN, IL 60124-3818
Transaction Type	Mortgage
Record Updated	Sep 15, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000055973
Date	Jul 21, 2021
Instrument	2021K055973

Lender

Name	MIDWEST COMMUNITY BANK
Type	Bank
Address	FREEPORT, IL 61032

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

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

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	$11,779.00 (-0.53%) Homeowner's exemption
2024		$145,048 (+14.29%) Land $27,638 Building $117,410	$435,318 (+14.34%) Land $82,947 Building $352,371
2022	$11,842.00 (-0.32%) Homeowner's exemption	$126,912 (+3.51%) Land $21,357 Building $105,555	$380,736 (+3.51%) Land $64,071 Building $316,665
2021	$11,880.00 Homeowner's exemption	$122,609 Land $20,633 Building $101,976	$367,827 Land $61,899 Building $305,928

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.

Nearby Properties on Monument Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures