354 Snow Drop Ln, Elgin, IL 60124 Property Records

Kane County property record for 354 Snow Drop Ln, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$251,500 (Apr 2015)
Tax Bill	$9,499 (2025)
Deeds & Mortgages	Apr 2018 Mortgage May 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-18-327-027`

Property Details

APN / Parcel Number

Primary APN	`06-18-327-027`

Exterior

Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	127 ft deep x 60 ft wide

Location & Zoning

Street Address	354 SNOW DROP LN
City	ELGIN
State	IL
Zip	60124-1202
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WEST POINT GARDENS PHASE 1 LT 20
Legal Subdivision	WEST POINT GARDENS
Legal Phase	1
Legal Block	1
Legal Lot Number	20
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1030
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	354 SNOW DROP LN, ELGIN, IL 60124-1202
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 11, 2018	Deed of Trust, Mortgage · Conventional Mortgage WINTRUST MORTGAGE
May 20, 2022	Deed of Trust, Mortgage · FHA Mortgage LADERA LENDING INC
Oct 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 14, 2015 · Amount on Record
Deed Sale	Apr 14, 2015 · Amount on Record
Prior Sale	Apr 14, 2015 · Amount on Record
Deed Document Number	201518666
Prior Transfer Date	Apr 3, 2015
Prior Transfer Doc	0000018665
Record Updated	Sep 20, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	354 SNOW DROP LN, ELGIN, IL 60124-1202
Transaction Type	Mortgage
Record Updated	Sep 15, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016617
Date	Apr 11, 2018
Instrument	2018K016617

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	354 SNOW DROP LN, ELGIN, IL 60124-1202
Transaction Type	Mortgage
Record Updated	Sep 15, 2022
Title Company	UNISOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027021
Date	May 20, 2022
Instrument	2022K027021

Lender

Name	LADERA LENDING INC
Type	Mortgage Company
Address	LADERA RANCH, CA 92694

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Fixed Rate
Rate	4.75%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	354 SNOW DROP LN, ELGIN, IL 60124-1202
Document Number	0000050680
Instrument Date	Oct 18, 2019
Transaction Type	Mortgage
Record Updated	Nov 1, 2019
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	354 SNOW DROP LN ELGIN IL 601241202, ELGIN, IL 60124-1202

Mortgage

Document Number	0000050680
Date	Oct 23, 2019
Instrument	50680

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 22, 2049

Interest

Rate Type	Fixed Rate

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	$9,499.00 (+8.39%) Homeowner's exemption
2024		$119,095 (+21.39%) Land $39,827 Building $79,268	$357,428 (+21.44%) Land $119,529 Building $237,899
2022	$8,764.00 (+3.48%) Homeowner's exemption	$98,107 (+6.96%) Land $32,808 Building $65,299	$294,321 (+6.96%) Land $98,424 Building $195,897
2021	$8,469.00 Homeowner's exemption	$91,723 Land $30,673 Building $61,050	$275,169 Land $92,019 Building $183,150

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	Direct burnable vegetation

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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