1000 Prospect St, Elgin, IL 60120 Property Records

Kane County property record for 1000 Prospect St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,749 sqft · built 1928
Lot Size	0.143 acres (6,226 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,074 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jan 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-12-106-018`

Property Details

APN / Parcel Number

Primary APN	`06-12-106-018`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	5 Stories
Building Area	1,749 sqft Living Area
Gross Area	2,915 sqft
Basement Area	1,166 sqft

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Construction Type	Frame
Lot Area	6,226 sqft (0.143 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	1000 PROSPECT ST
City	ELGIN
State	IL
Zip	60120-2934
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CONGDONS 2ND ADDN EXCEPT WEST 50 FT LOT 1 BLOCK 1
Legal Subdivision	CONGDONS 2ND ADDN
Legal Block	1
Legal Lot Number	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	6
Census Block	6016
Census Tract	850800

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	2 Individual Names on Record
Mailing Address	1000 PROSPECT ST, ELGIN, IL 60120-2934
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jan 6, 2021	Deed of Trust, Mortgage · Line of Credit FIRST AMERICAN BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1000 PROSPECT ST, ELGIN, IL 60120-2934
Transaction Type	Mortgage
Record Updated	Jul 13, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000049205
Date	Jun 28, 2021
Instrument	2021K049205

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1000 PROSPECT ST, ELGIN, IL 60120-2934
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000886
Date	Jan 6, 2021
Instrument	2021K000886

Lender

Name	FIRST AMERICAN BANK
Type	Bank
Address	HAMPSHIRE, IL 60140

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	School District U-46 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,074.00 (-25.69%) Homeowner's exemption Senior Citizen's exemption	$94,545 (+8.57%) Land $16,871 Building $77,674	$283,748 (+8.57%) Land $50,633 Building $233,115
2024		$87,082 (+21.39%) Land $15,539 Building $71,543	$261,351 (+21.44%) Land $46,636 Building $214,715
2022	$2,791.00 (-2.82%) Homeowner's exemption	$71,735 (+6.96%) Land $12,800 Building $58,935	$215,205 (+6.96%) Land $38,400 Building $176,805
2021	$2,872.00 Homeowner's exemption	$67,067 Land $11,967 Building $55,100	$201,201 Land $35,901 Building $165,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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.

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 592 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 DSL	100 / 20

May also be available: Verizon.

Nearby Properties on Prospect St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures