1032 Prospect St, Elgin, IL 60120 Property Records

Kane County property record for 1032 Prospect St, Elgin, IL 60120 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	1 Baths
Year Built	Built 1928
Square Footage	1,555 sqft Living Area
Lot Size	9,702 sqft (0.223 acres)
Occupancy	Owner Occupied
Last Sale	$170,000 (2019)
Tax Bill	$6,981.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`06-12-106-009`

Interior

Bedrooms	2 Beds
Full Baths	1 Baths
Total Rooms	5 Rooms
Building Area	1,555 sqft Living Area
Gross Area	3,110 sqft Gross Area
1st Floor	1,555 sqft 1st Floor
Basement Area	1,555 sqft Basement
Stories	1 Stories

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Exterior Material	Brick Exterior
Lot Area	9,702 sqft (0.223 acres)
Depth X Width	147 ft x 66 ft Depth x Width
Parking Spaces	1 Parking Spaces
Garage Type	Detached Garage

Location & Zoning

Street Address	1032 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 6 BLOCK 1
Legal Subdivision	CONGDONS 2ND ADDN
Legal Block	1
Legal Lot Number	6
Jurisdiction	KANE IL
Minor Civil Division	ELGIN
Census Blockgroup	6
Census Block	6016
Census Tract	850800

Owner

Source: Kane County records · APN 06-12-106-009

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	Individual Name on File
Mailing Address	1032 PROSPECT ST, ELGIN, IL 60120-2934
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 19, 2019 · Amount on Record
Deed Sale	Mar 19, 2019 · Amount on Record
Prior Sale	Dec 03, 2013 · Amount on Record
Deed Doc Number	201910533
Prior Transfer Date	Feb 24, 2004
Prior Transfer Doc	0000041928
Record Refreshed	Sep 20, 2026

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Mar 19, 2019
Property Address	1032 PROSPECT ST, ELGIN, IL 60120-2934
Document Number	0000010533
Instrument Date	Mar 15, 2019
Instrument	10533
Transaction Type	Transfer
Record Updated	Mar 28, 2019
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$255.00
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1032 PROSPECT ST ELGIN IL 601202934, ELGIN, IL 60120-2934

Mortgage

Document Number	10534
Date	Mar 19, 2019
Instrument	10534

Lender

Name	CORPORATE AMERICA FAM CU
Type	Credit Union
Address	ELGIN, IL 60124

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 18, 2034

Interest

Rate Type	Fixed Rate
Rate	3.62%

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 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

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	$6,981.00 (+1.54%) Homeowner's exemption
2024		$91,658 (+7.46%) Land $19,881 Building $71,777	$275,084 (+7.5%) Land $59,667 Building $215,417
2022	$6,875.00 (+4.5%) Homeowner's exemption	$85,296 (+6.96%) Land $16,377 Building $68,919	$255,888 (+6.96%) Land $49,131 Building $206,757
2021	$6,579.00 Homeowner's exemption	$79,745 Land $15,311 Building $64,434	$239,235 Land $45,933 Building $193,302

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 Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

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.