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1020 N Spring St, Elgin, IL 60120 Property Records

Kane County property record for 1020 N Spring St, Elgin, IL 60120 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms1.5 Baths
Year BuiltBuilt 1918
Square Footage1,413 sqft Living Area
Lot Size7,260 sqft (0.167 acres)
OccupancyOwner Occupied
Last Sale$211,000 (2018)
Tax Bill$7,416.00 (2025)

Property Details

APN / Parcel Number

Primary APN06-12-104-004

Interior

Bedrooms4 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Building Area1,413 sqft Living Area
Gross Area2,826 sqft Gross Area
1st Floor Area1,413 sqft 1st Floor
Basement Area1,413 sqft Basement
Stories1 Story

Exterior

Year BuiltBuilt 1918
Effective Year BuiltEffective 1918
Exterior MaterialBrick
Lot Area7,260 sqft (0.167 acres)
Lot Dimensions132 ft deep x 55 ft wide
Parking Spaces2 Parking Spaces
Garage TypeDetached

Utilities, Heating & Cooling

Cooling SystemHVAC

Location & Zoning

Street Address1020 N SPRING ST
CityELGIN
StateIL
Zip60120-2123
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOVELLS GROVE 2ND ADDN LOT 5 BLOCK 2
Legal SubdivisionLOVELLS GROVE 2ND ADDN
Legal Block2
Legal Lot Number5
JurisdictionKANE IL
Township / Civil DivisionELGIN
Census Block Group6
Census Block6018
Census Tract850800

Owner

Source: Kane County records · APN 06-12-104-004

Assessment roll updated December 26, 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 Record2 Company Names on File
Mailing Address1020 N SPRING ST, ELGIN, IL 60120-2123
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust

Deeds, Mortgages & Sale History

DateDocument
Nov 06, 2023Intrafamily Transfer, Transfer
ATTORNEY ONLY, ATTORNEY
Sep 17, 2021Deed of Trust, Mortgage · Conventional Mortgage
FIRST MIDWEST BANK
Sep 07, 2018Warranty Deed, Transfer · Conventional Mortgage
FIRST MIDWEST BANK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 07, 2018 · Amount on Record
Deed SaleSep 07, 2018 · Amount on Record
Deed Document Number201843881
Last Transfer DateOct 24, 2023
Transfer Doc0000039042
Record UpdatedSep 20, 2026

November 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionKANE IL
Recording DateNov 06, 2023
Property Address1020 N SPRING ST, ELGIN, IL 60120-2123
Document Number0000039041
Instrument DateOct 24, 2023
Instrument2023K039041
Transaction TypeTransfer
Record UpdatedNov 13, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Living Trust
Address1020 N SPRING ST, ELGIN, IL 60120-2123

September 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address1020 N SPRING ST, ELGIN, IL 60120-2123
Transaction TypeMortgage
Record UpdatedSep 29, 2021
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000071048
DateSep 17, 2021
Instrument2021K071048
Lender
NameFIRST MIDWEST BANK
TypeBank
AddressGURNEE, IL 60031
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2051
Interest
Rate TypeFixed Rate
Rate2.87%

September 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKANE IL
Recording DateSep 07, 2018
Property Address1020 N SPRING ST, ELGIN, IL 60120-2123
Document Number0000043881
Instrument DateAug 22, 2018
Instrument2018K043881
Transaction TypeTransfer
Record UpdatedJul 27, 2021
Title CompanyCHICAGO TITLE INSURANCE CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$211.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address11 HAMILTON AVE, 11, ELGIN, IL 60123-5305

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address1020 N SPRING ST, ELGIN, IL 60120-2123

Mortgage

Document Number0000043882
DateSep 07, 2018
Instrument2018K043882
Lender
NameFIRST MIDWEST BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueSep 01, 2048

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated December 26, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionElgin Township
MunicipalityElgin City
Unified School DistrictSchool District U-46 (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$7,416.00 (+15.84%)
2024$96,915 (+21.39%) Land $18,613 Building $78,302$290,861 (+21.44%) Land $55,861 Building $235,000
2022$6,402.00 (+4.56%) Homeowner's exemption$79,835 (+6.96%) Land $15,332 Building $64,503$239,505 (+6.96%) Land $45,996 Building $193,509
2021$6,123.00 Homeowner's exemption$74,640 Land $14,334 Building $60,306$223,920 Land $43,002 Building $180,918

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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