1039 Prospect St, Elgin, IL 60120 Property Records

Kane County property record for 1039 Prospect St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,550 sqft · built 1903
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$259,000 (Jan 2023)
Tax Bill	$6,356 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-12-107-005`

Property Details

APN / Parcel Number

Primary APN	`06-12-107-005`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,550 sqft Living Area
Gross Area	2,325 sqft
Basement Area	775 sqft

Exterior

Year Built	Built 1903
Effective Year Built	Effective 1903
Construction Type	Frame
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	1039 PROSPECT ST
City	ELGIN
State	IL
Zip	60120-2933
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CONGDONS 2ND ADDN LOT 7 BLOCK 2
Legal Subdivision	CONGDONS 2ND ADDN
Legal Block	2
Legal Lot Number	7
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	6
Census Block	6022
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	Individual Name on Record
Mailing Address	1485 ROYAL BLVD, ELGIN, IL 60123-2040
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 24, 2023 · Amount on Record
Deed Sale	Jan 24, 2023 · Amount on Record
Deed Document Number	20232405
Prior Transfer Date	Jul 10, 2007
Prior Transfer Doc	0000083792
Record Updated	Oct 29, 2026

January 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	KANE IL
Recording Date	Jan 24, 2023
Property Address	1039 PROSPECT ST, ELGIN, IL 60120-2933
Document Number	0000002405
Instrument Date	Jan 10, 2023
Instrument	2023K002405
Transaction Type	Transfer
Record Updated	Feb 3, 2023
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$259.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1039 PROSPECT ST, ELGIN, IL 60120-2933

Mortgage

Document Number	0000002406
Date	Jan 24, 2023
Instrument	2023K002406

Lender

Name	FIRST NATIONAL BANK OF OMAHA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

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	$6,356.00 (+135.06%)	$91,314 (+8.57%) Land $20,976 Building $70,338	$274,052 (+8.57%) Land $62,953 Building $211,098
2024		$84,106 (+21.39%) Land $19,320 Building $64,786	$252,419 (+21.44%) Land $57,983 Building $194,436
2022	$2,704.00 (-2.84%) Homeowner's exemption	$69,283 (+6.96%) Land $15,915 Building $53,368	$207,849 (+6.96%) Land $47,745 Building $160,104
2021	$2,783.00 Homeowner's exemption	$64,774 Land $14,879 Building $49,895	$194,322 Land $44,637 Building $149,685

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.

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	Low lower than 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None 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 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 305 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

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

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