Kane County property record for 1010 Prospect St, Elgin, IL 60120 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 1.5 Baths |
| Year Built | Built 1898 |
| Square Footage | 1,670 sqft Living Area |
| Lot Size | 9,556 sqft (0.219 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $275,000 (2021) |
| Tax Bill | $7,187.00 (2025) |
| Primary APN | 06-12-106-013 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 7 Rooms |
| Building Area | 1,670 sqft Living Area |
| Gross Area | 2,666 sqft Gross Area |
| Basement Area | 996 sqft Basement |
| Stories | 2 Stories |
| Year Built | Built 1898 |
|---|---|
| Effective Year Built | Effective 1898 |
| Exterior Material | Aluminum/Vinyl Exterior |
| Construction Type | Frame Construction |
| Lot Area | 9,556 sqft (0.219 acres) |
| Depth X Width | 145 ft x 66 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Detached Garage |
| Cooling System | None Cooling |
|---|---|
| Sewage | Municipal Sewage |
| Water Source | Commercial Water Source |
| Street Address | 1010 PROSPECT ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-2934 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | CONGDONS 2ND ADDN LOT 2 BLOCK 1 |
| Legal Subdivision | CONGDONS 2ND ADDN |
| Legal Block | 1 |
| Legal Lot Number | 2 |
| Jurisdiction | KANE IL |
| Minor Civil Division | ELGIN |
| Census Blockgroup | 6 |
| Census Block | 6016 |
| Census Tract | 850800 |
Source: Kane County records · APN 06-12-106-013
Assessment roll updated August 25, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 1010 PROSPECT ST, ELGIN, IL 60120-2934 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Tenant By Entirety |
| Date | Document |
|---|---|
| May 27, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CORP |
| Aug 30, 2021 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 30, 2021 · Amount on Record |
| Deed Sale | Aug 30, 2021 · Amount on Record |
| Prior Sale | Sep 07, 1994 · Amount on Record |
| Deed Doc Number | 202166286 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 1010 PROSPECT ST, ELGIN, IL 60120-2934 |
| Transaction Type | Mortgage |
| Record Updated | Aug 05, 2022 |
| Title Company | CHICAGO TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000027073 |
|---|---|
| Date | May 27, 2020 |
| Instrument | 2020K027073 |
| Name | FIRST CENTENNIAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | AURORA, IL 60506 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.25% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Aug 30, 2021 |
| Property Address | 1010 PROSPECT ST, ELGIN, IL 60120-2934 |
| Document Number | 0000066286 |
| Instrument Date | Aug 09, 2021 |
| Instrument | 2021K066286 |
| Transaction Type | Transfer |
| Record Updated | Aug 05, 2022 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $275.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 1010 PROSPECT ST, ELGIN, IL 60120-2934 |
| Document Number | 0000066287 |
|---|---|
| Date | Aug 30, 2021 |
| Instrument | 2021K066287 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.99% |
Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,187.00 (+15.84%) Homeowner's exemption | ||
| 2024 | $94,138 (+21.39%) Land $19,881 Building $74,257 | $282,527 (+21.44%) Land $59,667 Building $222,860 | |
| 2022 | $6,204.00 (+13.07%) Homeowner's exemption | $77,548 (+6.96%) Land $16,377 Building $61,171 | $232,644 (+6.96%) Land $49,131 Building $183,513 |
| 2021 | $5,487.00 Homeowner's exemption | $72,502 Land $15,311 Building $57,191 | $217,506 Land $45,933 Building $171,573 |
Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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