325 Garden Dr, Elgin, IL 60124 Property Records

Kane County property record for 325 Garden Dr, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Lot Size	0.187 acres (8,152 sqft)
Owner	2 Individual Names on File
Last Sale	$390,000 (Feb 2021)
Tax Bill	$10,945 (2025)
Deeds & Mortgages	Jan 2020 Mortgage Feb 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-18-377-007`

Property Details

APN / Parcel Number

Primary APN	`06-18-377-007`

Exterior

Lot Area	8,152 sqft (0.187 acres)

Location & Zoning

Street Address	325 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 60
Legal Subdivision	WEST POINT GARDENS SOUTH
Legal Phase	1
Legal Block	1
Legal Lot Number	60
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1028
Census Tract	851911

Owner

325 Garden Dr is owned and occupied by two individuals who bought it in February 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	325 GARDEN DR, ELGIN, IL 60124-1215
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
Jan 28, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Feb 10, 2021	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Dec 14, 2018	Grant Deed, Subdivision Related Transfer · FHA Mortgage M&I FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 10, 2021 · Amount on File
Deed Sale	Feb 10, 2021 · Amount on File
Prior Sale	Dec 14, 2018 · Amount on File
Deed Document Number	202111042
Record Updated	Sep 20, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	325 GARDEN DR, ELGIN, IL 60124-1215
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005074
Date	Jan 28, 2020
Instrument	2020K005074

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	348 Months
Due	Jan 1, 2049

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Feb 10, 2021
Property Address	325 GARDEN DR, ELGIN, IL 60124-1215
Document Number	0000011042
Map Reference	DOC 2017K045734
Instrument Date	Nov 20, 2020
Instrument	2021K011042
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$390.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	325 GARDEN DR, 325, ELGIN, IL 60124-1215

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	325 GARDEN DR, ELGIN, IL 60124-1215

Mortgage

Document Number	0000011043
Date	Feb 10, 2021
Instrument	2021K011043

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2051

Interest

Rate	2.75%

December 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	KANE IL
Recording Date	Dec 14, 2018
Property Address	325 GARDEN DR, ELGIN, IL 60124-1215
Document Number	0000060101
Instrument Date	Nov 29, 2018
Instrument	60101
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 31, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$481.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	325 GARDEN DR ELGIN IL 601241215, ELGIN, IL 60124-1215

Mortgage

Document Number	60102
Date	Dec 14, 2018
Instrument	60102

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 13, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 325 Garden Dr was $10,945 with exemptions applied.

Source: Kane County assessment roll, as of December 26, 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	$10,945.00 Homeowner's exemption Senior Citizen's exemption
2024		$143,462 Land $39,827 Building $103,635	$430,558 Land $119,529 Building $311,029
2022	$10,747.00 (+3.41%) Homeowner's exemption	$118,179 (+6.96%) Land $32,808 Building $85,371	$354,537 (+6.96%) Land $98,424 Building $256,113
2021	$10,393.00 Homeowner's exemption	$110,489 Land $30,673 Building $79,816	$331,467 Land $92,019 Building $239,448

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 325 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 325 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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