327 Garden Dr, Elgin, IL 60124 Property Records

Kane County property record for 327 Garden Dr, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Owner	2 Trust Names on File
Last Sale	$298,000 (Nov 2018)
Tax Bill	$10,201 (2025)
Deeds & Mortgages	Sep 2026 Transfer Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-18-377-006`

Property Details

APN / Parcel Number

Primary APN	`06-18-377-006`

Location & Zoning

Street Address	327 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 59
Legal Subdivision	WEST POINT GARDENS SOUTH
Legal Phase	1
Legal Block	1
Legal Lot Number	59
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1028
Census Tract	851911

Owner

327 Garden Dr is held in a trust since September 2026.

Source: Kane County records, as of October 13, 2026

Owner of Record	2 Trust Names on File
Mailing Address	327 GARDEN DR, ELGIN, IL 60124-1215
Owner Type	Company
Vesting	Trust, Revocable Living Trust

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
Sep 17, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Feb 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Nov 5, 2018	Grant Deed, Subdivision Related Transfer · Conventional Mortgage M&I FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 5, 2018 · Amount on File
Deed Sale	Nov 5, 2018 · Amount on File
Deed Document Number	201853870
Last Transfer Date	Sep 1, 2026
Transfer Doc	0000040429
Record Updated	Oct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Sep 17, 2026
Property Address	327 GARDEN DR, ELGIN, IL 60124-1215
Document Number	0000040429
Instrument Date	Sep 1, 2026
Instrument	202640429
Transaction Type	Transfer
Record Updated	Sep 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	327 GARDEN DR, ELGIN, IL 60124-1215

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	327 GARDEN DR, ELGIN, IL 60124-1215
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	GREATER ILLINOIS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007713
Date	Feb 11, 2020
Instrument	2020K007713

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2035

November 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	KANE IL
Recording Date	Nov 5, 2018
Property Address	327 GARDEN DR, ELGIN, IL 60124-1215
Document Number	0000053870
Instrument Date	Oct 16, 2018
Instrument	53870
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 15, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$447.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	35 DEEKE CT ROSELLE IL 601721600, ROSELLE, IL 60172-1600

Mortgage

Document Number	53871
Date	Nov 5, 2018
Instrument	53871

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 4, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 327 Garden Dr was $10,201.

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

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	$10,201.00 Homeowner's exemption	$139,535 (+8.57%) Land $43,240 Building $96,295	$418,773 (+8.57%) Land $129,772 Building $289,001
2024		$128,521 Land $39,827 Building $88,694	$385,717 Land $119,529 Building $266,188
2022	$9,475.00 (+3.46%) Homeowner's exemption	$105,871 (+7.95%) Land $32,808 Building $73,063	$317,613 (+7.95%) Land $98,424 Building $219,189
2021	$9,158.00 Homeowner's exemption	$98,075 Land $30,673 Building $67,402	$294,225 Land $92,019 Building $202,206

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 327 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 327 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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