323 Garden Dr, Elgin, IL 60124 Property Records

Kane County property record for 323 Garden Dr, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Lot Size	0.184 acres (8,038 sqft)
Owner	2 Individual Names on Record
Last Sale	$373,500 (Oct 2019)
Tax Bill	$11,219 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-18-377-008`

Property Details

APN / Parcel Number

Primary APN	`06-18-377-008`

Exterior

Lot Area	8,038 sqft (0.184 acres)

Location & Zoning

Street Address	323 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 61
Legal Subdivision	WEST POINT GARDENS SOUTH
Legal Phase	1
Legal Block	1
Legal Lot Number	61
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	2 Individual Names on Record
Mailing Address	323 GARDEN DR, ELGIN, IL 60124-1215
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage A & N MORTGAGE SERVICES INC
Oct 10, 2019	Grant Deed, Subdivision Related Transfer · Conventional Mortgage M&I FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 10, 2019 · Amount on Record
Deed Sale	Oct 10, 2019 · Amount on Record
Deed Document Number	201948085
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	323 GARDEN DR, ELGIN, IL 60124-1215
Transaction Type	Mortgage
Record Updated	Feb 9, 2021
Title Company	LAKESHORE TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007621
Date	Jan 28, 2021
Instrument	2021K007621

Lender

Name	A & N MORTGAGE SERVICES INC
Type	Mortgage Company
Address	CHICAGO, IL 60642

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	2.62%

October 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	KANE IL
Recording Date	Oct 10, 2019
Property Address	323 GARDEN DR, ELGIN, IL 60124-1215
Document Number	0000048085
Instrument Date	Sep 6, 2019
Instrument	48085
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 22, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$560.25
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	830 LONGFORD DR ROSELLE IL 601721820, ROSELLE, IL 60172-1820

Mortgage

Document Number	48086
Date	Oct 10, 2019
Instrument	48086

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 9, 2049

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	$11,219.00 (+8.22%) Homeowner's exemption
2024		$139,327 (+21.39%) Land $39,827 Building $99,500	$418,148 (+21.44%) Land $119,529 Building $298,619
2022	$10,367.00 (+3.42%) Homeowner's exemption	$114,773 (+6.96%) Land $32,808 Building $81,965	$344,319 (+6.96%) Land $98,424 Building $245,895
2021	$10,024.00 Homeowner's exemption	$107,304 Land $30,673 Building $76,631	$321,912 Land $92,019 Building $229,893

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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