323 Monument Rd, Elgin, IL 60124 Property Records

Kane County property record for 323 Monument Rd, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,106 sqft · built 2006
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on Record
Last Sale	$383,000 (Aug 2006)
Tax Bill	$12,525 (2025)
Deeds & Mortgages	Apr 2024 Second Mortgage May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-24-286-006`

Property Details

APN / Parcel Number

Primary APN	`05-24-286-006`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,106 sqft Living Area
Basement Area	1,562 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	455 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	323 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 218
Legal Subdivision	SHADOW HILL
Legal Block	1
Legal Lot Number	218
Legal Unit	3
Jurisdiction	KANE IL
Township / Civil Division	PLATO
Census Block Group	1
Census Block	1000
Census Tract	850711

Owner

Source: Kane County records, as of July 23, 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	323 MONUMENT RD, ELGIN, IL 60124-3818
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
May 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage COMPASS MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 17, 2006 · Amount on Record
Deed Sale	Aug 17, 2006 · Amount on Record
Deed Document Number	200690838
Last Transfer Date	Oct 13, 2016
Transfer Doc	0000056644
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	323 MONUMENT RD, ELGIN, IL 60124-3818
Transaction Type	Mortgage
Record Updated	Apr 24, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012833
Date	Apr 18, 2024
Instrument	2024K012833

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 4, 2034

Interest

Rate Type	Fixed Rate
Rate	10.1%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	323 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	0000038310
Date	May 17, 2021
Instrument	2021K038310

Lender

Name	COMPASS MORTGAGE
Type	Mortgage Company
Address	WARRENVILLE, IL 60555

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.12%

Tax Assessment & Valuation

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

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	$12,525.00 (+7.85%) Homeowner's exemption	$165,742 (+4.23%) Land $29,791 Building $135,951	$497,425 (+4.23%) Land $89,409 Building $408,016
2024		$159,019 (+27.65%) Land $27,638 Building $131,381	$477,248 (+27.7%) Land $82,947 Building $394,301
2022	$11,613.00 (+3.99%) Homeowner's exemption	$124,577 (+7.76%) Land $21,357 Building $103,220	$373,731 (+7.76%) Land $64,071 Building $309,660
2021	$11,167.00 Homeowner's exemption	$115,604 Land $20,633 Building $94,971	$346,812 Land $61,899 Building $284,913

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.

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