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1028 Saint John St, Elgin, IL 60120 Property Records

Kane County property record for 1028 Saint John St, Elgin, IL 60120

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 1,949 sqft · built 1913
Lot Size0.3 acres (13,068 sqft)
Owner2 Individual Names on Record
Last Sale$121,500 (Feb 2013)
Tax Bill$7,716 (2025)
Deeds & MortgagesJun 2026 Transfer
Aug 2017 Line of Credit
Flood ZoneZone X (minimal risk)
APN06-12-107-019

Property Details

APN / Parcel Number

Primary APN06-12-107-019

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Stories5 Stories
Building Area1,949 sqft Living Area
Gross Area3,465 sqft
Basement Area1,516 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1913
Effective Year BuiltEffective 1913
Exterior MaterialBrick
Construction TypeFrame
Lot Area13,068 sqft (0.3 acres)
Garage TypeDetached
Parking Spaces3 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemHVAC
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address1028 SAINT JOHN ST
CityELGIN
StateIL
Zip60120-2940
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCONGDONS 2ND ADDN LOT 18 BLOCK 2
Legal SubdivisionCONGDONS 2ND ADDN
Legal Block2
Legal Lot Number18
JurisdictionKANE IL
Township / Civil DivisionELGIN
Census Block Group6
Census Block6022
Census Tract850800

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 Record2 Individual Names on Record
Mailing Address1028 SAINT JOHN ST, ELGIN, IL 60120-2940
OccupancyOwner Occupied
Owner TypeIndividual
VestingLife Tenant

Deeds, Mortgages & Sale History

DateDocument
Jun 22, 2026Quit Claim Deed, Transfer
NONE LISTED ON DOCUMENT
Aug 2, 2017Deed of Trust, Mortgage · Line of Credit
BMO HARRIS BANK NA

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 25, 2013 · Amount on Record
Deed SaleFeb 25, 2013 · Amount on Record
Prior SaleJan 18, 2013 · Amount on Record
Deed Document Number201314937
Last Transfer DateJun 3, 2026
Transfer Doc0000025977
Record UpdatedOct 29, 2026

June 2026: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionKANE IL
Recording DateJun 22, 2026
Property Address1028 SAINT JOHN ST, ELGIN, IL 60120-2940
Document Number0000025977
Instrument DateJun 3, 2026
Instrument202625977
Transaction TypeTransfer
Record UpdatedAug 30, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLife Tenant
Address1028 SAINT JOHN ST, ELGIN, IL 60120-2940

August 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address1028 SAINT JOHN ST, ELGIN, IL 60120-2940
Transaction TypeMortgage
Record UpdatedAug 5, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000040020
DateAug 2, 2017
Instrument2017K040020
Lender
NameBMO HARRIS BANK NA
TypeBank
AddressCHICAGO, IL 60690
Agreement
TypeLine of Credit
AmountAmount Recorded
Term359 Months
DueJul 28, 2047
Interest
Rate TypeAdjustable Rate
Rate4.39%
Change FrequencyMonthly

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$7,716.00 (+14.26%) Homeowner's exemption Senior Citizen's exemption$119,024 (+8.57%) Land $22,367 Building $96,657$357,215 (+8.57%) Land $67,128 Building $290,087
2024$109,628 (+23.34%) Land $20,601 Building $89,027$329,016 (+23.39%) Land $61,828 Building $267,188
2022$6,753.00 (-3.94%) Homeowner's exemption$88,882 (+4.81%) Land $16,970 Building $71,912$266,646 (+4.81%) Land $50,910 Building $215,736
2021$7,030.00 Homeowner's exemption$84,804 Land $15,866 Building $68,938$254,412 Land $47,598 Building $206,814

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 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 RiskLow
lower than 98% of the US · lower than 86% of Illinois
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemELGIN
serves 114,797 people · EPA ID IL0894380
Water SourceSurface water
Last State InspectionAug 2025
Lead19 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting8
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 305 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Astound Broadband
Cable		1,500 / 50

May also be available: AT&T, T-Mobile, Verizon.

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