1045 N Spring St, Elgin, IL 60120 Property Records

Kane County property record for 1045 N Spring St, Elgin, IL 60120 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 1895
Square Footage	2,510 sqft Living Area
Lot Size	18,295 sqft (0.42 acres)
Occupancy	Owner Occupied
Last Sale	$430,000 (2024)
Tax Bill	$9,895.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`06-12-105-001`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Partial Baths	2 Partial Baths
Total Rooms	8 Rooms
Building Area	2,510 sqft Living Area
Gross Area	3,765 sqft Gross Area
Basement Area	1,255 sqft Basement
Stories	2 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1895
Construction Type	Frame Construction
Lot Area	18,295 sqft (0.42 acres)
Depth X Width	187 ft x 99 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Detached Garage

Utilities and HVAC

Cooling System	None Cooling
Sewage	Municipal Sewage
Water Source	Commercial Water Source

Location & Zoning

Street Address	1045 N SPRING ST
City	ELGIN
State	IL
Zip	60120-2161
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	SLADES ADD - NLY 1/2 LOT 7 ALL OF LOT 8 EX ELY 132FT LOT 9 & WLY 27.5 FT NLY 33 FT LOT 10 BLK 3
Legal Subdivision	SLADES ADD
Legal Block	6
Legal Lot Number	7-10
Jurisdiction	KANE IL
Minor Civil Division	ELGIN
Census Blockgroup	6
Census Block	6014
Census Tract	850800

Owner

Source: Kane County records · APN 06-12-105-001

Assessment roll updated December 26, 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	2 Individual Names on File
Mailing Address	1045 N SPRING ST, ELGIN, IL 60120-2161
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 22, 2024 · Amount on Record
Deed Sale	Oct 22, 2024 · Amount on Record
Prior Sale	Jul 19, 2021 · Amount on Record
Record Refreshed	Sep 20, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 19, 2021
Property Address	1045 N SPRING ST, ELGIN, IL 60120-2161
Document Number	0000055178
Instrument Date	Jun 23, 2021
Instrument	2021K055178
Transaction Type	Transfer
Record Updated	Jul 29, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$390.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1045 N SPRING ST, 1045, ELGIN, IL 60120-2161

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenant By Entirety
Address	1045 N SPRING ST, ELGIN, IL 60120-2161

Mortgage

Document Number	0000055179
Date	Jul 19, 2021
Instrument	2021K055179

Lender

Name	AMERICAN PORTFOLIO MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2051

Interest

Rate Type	Fixed Rate
Rate	3.5%

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated December 26, 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	$9,895.00 (+15.88%)
2024		$127,950 (+22.46%) Land $29,454 Building $98,496	$384,004 (+22.51%) Land $88,397 Building $295,606
2022	$8,539.00 (+4.4%) Homeowner's exemption	$104,481 (+6.96%) Land $24,263 Building $80,218	$313,443 (+6.96%) Land $72,789 Building $240,654
2021	$8,179.00 Homeowner's exemption	$97,682 Land $22,684 Building $74,998	$293,046 Land $68,052 Building $224,994

Flood & Wildfire

1045 N Spring St is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.

Flood

Source: FEMA National Flood Hazard Layer · Kane County (17089C), updated October 8, 2026

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach of burnable land

Values are read at the parcel center point; lenders make the official flood determination.