324 Garden Dr, Elgin, IL 60124 Property Records

Kane County property record for 324 Garden Dr, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Lot Size	0.203 acres (8,854 sqft)
Owner	Individual Name on File
Last Sale	$330,000 (Jun 2020)
Tax Bill	$10,355 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-18-332-001`

Property Details

APN / Parcel Number

Primary APN	`06-18-332-001`

Exterior

Lot Area	8,854 sqft (0.203 acres)

Location & Zoning

Street Address	324 GARDEN DR
City	ELGIN
State	IL
Zip	60124-0236
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WEST POINT GARDENS SOUTH PHASE 2A LT 12
Legal Subdivision	WEST POINT GARDENS SOUTH
Legal Phase	2A
Legal Block	1
Legal Lot Number	12
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1029
Census Tract	851911

Owner

324 Garden Dr is owned and occupied by an individual who bought it in June 2020.

Source: Kane County records, as of July 21, 2026

Owner of Record	Individual Name on File
Mailing Address	324 GARDEN DR, ELGIN, IL 60124-0236
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Jun 29, 2020	Grant Deed, Subdivision Related Transfer · Conventional with PMI GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 29, 2020 · Amount on File
Deed Sale	Jun 29, 2020 · Amount on File
Deed Document Number	202034442
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	324 GARDEN DR, ELGIN, IL 60124-0236
Transaction Type	Mortgage
Record Updated	Jul 27, 2021
Title Company	RAVENSWOOD TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008902
Date	Feb 2, 2021
Instrument	2021K008902

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3%

June 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	KANE IL
Recording Date	Jun 29, 2020
Property Address	324 GARDEN DR, ELGIN, IL 60124-0236
Document Number	0000034442
Instrument Date	May 4, 2020
Instrument	34442
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 6, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$495.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 GARDEN DR ELGIN IL 601240236, ELGIN, IL 60124-0236

Mortgage

Document Number	34443
Date	Jun 29, 2020
Instrument	34443

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 28, 2050

Interest

Rate Type	Fixed Rate
Rate	3.5%

Tax Assessment & Valuation

The 2025 property tax bill for 324 Garden Dr was $10,355 with a homeowner's exemption.

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	$10,355.00 Homeowner's exemption
2024		$130,067 Land $39,827 Building $90,240	$390,357 Land $119,529 Building $270,828
2022	$9,618.00 (+3.45%) Homeowner's exemption	$107,145 (+7.71%) Land $32,808 Building $74,337	$321,435 (+7.71%) Land $98,424 Building $223,011
2021	$9,297.00 Homeowner's exemption	$99,473 Land $30,673 Building $68,800	$298,419 Land $92,019 Building $206,400

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

FEMA maps place 324 Garden Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 324 Garden Dr is low, with less than a 0.01% annual chance of 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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