1040 Saint John St, Elgin, IL 60120 Property Records

Kane County property record for 1040 Saint John St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,894 sqft · built 1900
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Last Sale	$188,000 (Apr 2019)
Tax Bill	$7,131 (2025)
Deeds & Mortgages	Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-12-107-016`

Property Details

APN / Parcel Number

Primary APN	`06-12-107-016`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	5 Stories
Building Area	1,894 sqft Living Area
Gross Area	3,026 sqft
Basement Area	1,132 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	13,068 sqft (0.3 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1040 SAINT JOHN ST
City	ELGIN
State	IL
Zip	60120-2940
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CONGDONS 2ND ADDN LOT 15 BLOCK 2
Legal Subdivision	CONGDONS 2ND ADDN
Legal Block	2
Legal Lot Number	15
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	1040 SAINT JOHN ST, ELGIN, IL 60120-2940
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 26, 2019 · Amount on Record
Deed Sale	Apr 26, 2019 · Amount on Record
Prior Sale	Apr 21, 2008 · Amount on Record
Deed Document Number	201916460
Record Updated	Oct 29, 2026

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 26, 2019
Property Address	1040 SAINT JOHN ST, ELGIN, IL 60120-2940
Document Number	0000016460
Instrument Date	Apr 22, 2019
Instrument	2019K016460
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$188.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 SAINT JOHN ST, ELGIN, IL 60120-2940

Mortgage

Document Number	0000016461
Date	Apr 26, 2019
Instrument	2019K016461

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

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	$7,131.00 (+15.86%) Homeowner's exemption	$101,475 (+8.57%) Land $22,367 Building $79,108	$304,547 (+8.57%) Land $67,128 Building $237,419
2024		$93,465 (+21.39%) Land $20,601 Building $72,864	$280,507 (+21.44%) Land $61,828 Building $218,679
2022	$6,155.00 (+4.57%) Homeowner's exemption	$76,993 (+6.96%) Land $16,970 Building $60,023	$230,979 (+6.96%) Land $50,910 Building $180,069
2021	$5,886.00 Homeowner's exemption	$71,983 Land $15,866 Building $56,117	$215,949 Land $47,598 Building $168,351

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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