Kane County property record for 1040 Prospect St, Elgin, IL 60120 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,768 sqft · built 1920 |
| Lot Size | 0.223 acres (9,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $260,000 (May 2023) |
| Tax Bill | $6,988 (2025) |
| Deeds & Mortgages | May 2023 Sale & Mortgage Aug 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-12-106-008 |
| Primary APN | 06-12-106-008 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 1,768 sqft Living Area |
| Gross Area | 2,652 sqft |
| Basement Area | 884 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Custom Design |
| Construction Type | Frame |
| Lot Area | 9,712 sqft (0.223 acres) |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Water Source | Commercial |
| Street Address | 1040 PROSPECT ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-2934 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CONGDONS 2ND ADDN LOT 7 BLOCK 1 |
| Legal Subdivision | CONGDONS 2ND ADDN |
| Legal Block | 1 |
| Legal Lot Number | 7 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 6 |
| Census Block | 6016 |
| Census Tract | 850800 |
Source: Kane County records · APN 06-12-106-008
Assessment roll updated July 23, 2026 · Last verified August 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 | 1226 SPRUCE LN, A, ELGIN, IL 60120-4823 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| May 16, 2023 | Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU |
| Aug 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CORP |
| Aug 06, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 16, 2023 · Amount on Record |
| Deed Sale | May 16, 2023 · Amount on Record |
| Prior Sale | Sep 12, 2005 · Amount on Record |
| Deed Document Number | 202315585 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | May 16, 2023 |
| Property Address | 1040 PROSPECT ST, ELGIN, IL 60120-2934 |
| Document Number | 0000015585 |
| Instrument Date | May 12, 2023 |
| Instrument | 2023K015585 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2023 |
| Title Company | CT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $260.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1040 PROSPECT ST, ELGIN, IL 60120-2934 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1040 PROSPECT ST, ELGIN, IL 60120-2934 |
| Document Number | 0000015586 |
|---|---|
| Date | May 16, 2023 |
| Instrument | 2023K015586 |
| Name | GREENSTATE CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 05, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.37% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jun 05, 2033 |
| Change Frequency | Annually |
| Min Rate At Change | 5.37% |
| Max Rate At Change | 9.37% |
| Index | 1-Year CMT |
| Max Rate | 13.3% |
| Document Number | 0000015587 |
|---|---|
| Date | May 16, 2023 |
| Instrument | 2023K015587 |
| Name | GREENSTATE CU |
|---|---|
| Type | Credit Union |
| Address | NORTH LIBERTY, IA 52317 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Jun 05, 2033 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 7.87% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 1040 PROSPECT ST, ELGIN, IL 60120-2934 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2021 |
| Title Company | N TITLE COMPANY, SNP TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0000061665 |
|---|---|
| Date | Aug 12, 2021 |
| Instrument | 2021K061665 |
| Name | FIRST CENTENNIAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | AURORA, IL 60506 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Sep 01, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 1040 PROSPECT ST, ELGIN, IL 60120-2934 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | SNP TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0000035048 |
|---|---|
| Date | Aug 06, 2019 |
| Instrument | 2019K035048 |
| Name | FIRST CENTENNIAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | AURORA, IL 60506 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Sep 01, 2039 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.87% |
Source: Kane County records · Assessment roll updated July 23, 2026 · Last verified August 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 | $6,988.00 (+15.85%) | $99,601 (+8.57%) Land $21,585 Building $78,016 | $298,923 (+8.57%) Land $64,781 Building $234,142 |
| 2024 | $91,739 (+21.39%) Land $19,881 Building $71,858 | $275,327 (+21.44%) Land $59,667 Building $215,660 | |
| 2022 | $6,032.00 (+4.58%) Homeowner's exemption | $75,571 (+6.96%) Land $16,377 Building $59,194 | $226,713 (+6.96%) Land $49,131 Building $177,582 |
| 2021 | $5,768.00 Homeowner's exemption | $70,653 Land $15,311 Building $55,342 | $211,959 Land $45,933 Building $166,026 |
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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