Kane County property record for 1044 Prospect St, Elgin, IL 60120 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1900 |
| Square Footage | 812 sqft Living Area |
| Lot Size | 9,768 sqft (0.224 acres) |
| Garage | Detached |
| Last Sale | $250,000 (2024) |
| Tax Bill | $4,577.00 (2025) |
| Primary APN | 06-12-106-007 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Baths |
| Total Rooms | 4 Rooms |
| Building Area | 812 sqft Living Area |
| Gross Area | 1,624 sqft Gross Area |
| 1st Floor | 812 sqft 1st Floor |
| Basement Area | 812 sqft Basement |
| Stories | 1 Stories |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Construction Type | Frame Construction |
| Lot Area | 9,768 sqft (0.224 acres) |
| Depth X Width | 148 ft x 66 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Detached Garage |
| Street Address | 1044 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 8 BLOCK 1 |
| Legal Subdivision | CONGDONS 2ND ADDN |
| Legal Block | 1 |
| Legal Lot Number | 8 |
| Jurisdiction | KANE IL |
| Minor Civil Division | ELGIN |
| Census Blockgroup | 6 |
| Census Block | 6016 |
| Census Tract | 850800 |
Source: Kane County records · APN 06-12-106-007
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 | Individual Name on File |
|---|---|
| Mailing Address | 533 GENTLE BREEZE TER, CARPENTERSVILLE, IL 60110-1712 |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| May 08, 2024 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage CROSSCOUNTRY MORTGAGE LLC |
| May 06, 2021 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Jul 02, 2019 | Warranty Deed, Transfer · Conventional Mortgage LEND SMART MORTGAGE LLC |
| Feb 17, 2014 | Loan Modification, Mortgage · Federal Housing Administration (FHA) Mortgage PNC MTG |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 07, 2024 · Amount on Record |
| Deed Sale | Oct 07, 2024 · Amount on Record |
| Prior Sale | May 06, 2021 · Amount on Record |
| Deed Doc Number | 202436291 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 1044 PROSPECT ST, ELGIN, IL 60120-2934 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2024 |
| Name | Verified Name |
|---|---|
| Address | 1044 PROSPECT ST, ELGIN, IL 60120-2934 |
| Document Number | 0000015314 |
|---|---|
| Date | May 08, 2024 |
| Instrument | 2024K015314 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 324 Months |
| Due | May 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | May 06, 2021 |
| Property Address | 1044 PROSPECT ST, ELGIN, IL 60120-2934 |
| Document Number | 0000035667 |
| Instrument Date | Apr 01, 2021 |
| Instrument | 2021K035667 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2021 |
| Title Company | NOT AVAILABLE, MULTIPLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $175.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 100 E CHICAGO ST STE 902, 902, ELGIN, IL 60120-5559 |
| Document Number | 0000035668 |
|---|---|
| Date | May 06, 2021 |
| Instrument | 2021K035668 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.12% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jul 02, 2019 |
| Property Address | 1044 PROSPECT ST, ELGIN, IL 60120-2934 |
| Document Number | 0000028219 |
| Instrument Date | Jun 14, 2019 |
| Instrument | 2019K028219 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | STARCK TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $150.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1044 PROSPECT ST, ELGIN, IL 60120-2934 |
| Document Number | 0000028220 |
|---|---|
| Date | Jul 02, 2019 |
| Instrument | 2019K028220 |
| Name | LEND SMART MORTGAGE LLC |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2049 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 1044 PROSPECT ST, ELGIN, IL 60120-2934 |
| Document Number | 0000014436 |
| Instrument Date | Feb 17, 2014 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 1044 PROSPECT ST ELGIN IL 601202934, ELGIN, IL 60120-2934 |
| Document Number | 0000014436 |
|---|---|
| Date | Mar 29, 2018 |
| Instrument | 14436 |
| Name | PNC MTG |
|---|---|
| Type | Mortgage Company |
| Address | MIAMISBURG, OH 45342 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Mar 28, 2043 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.5% |
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 | $4,577.00 (+30.07%) | $68,000 (+8.57%) Land $21,585 Building $46,415 | $204,082 (+8.57%) Land $64,781 Building $139,301 |
| 2024 | $62,632 (+21.39%) Land $19,881 Building $42,751 | $187,971 (+21.44%) Land $59,667 Building $128,304 | |
| 2022 | $3,519.00 (+2.33%) Homeowner's exemption | $51,594 (+6.96%) Land $16,377 Building $35,217 | $154,782 (+6.96%) Land $49,131 Building $105,651 |
| 2021 | $3,439.00 Homeowner's exemption | $48,236 Land $15,311 Building $32,925 | $144,708 Land $45,933 Building $98,775 |
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures