Kane County property record for 1045 Prospect St, Elgin, IL 60120
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,824 sqft · built 1918 |
| Lot Size | 0.152 acres (6,600 sqft) |
| Owner | 2 Company Names on File |
| Tax Bill | $5,710 (2025) |
| Deeds & Mortgages | Jun 2026 Sale Feb 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-12-107-004 |
| Primary APN | 06-12-107-004 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,824 sqft Living Area |
| Gross Area | 2,544 sqft |
| Basement Area | 720 sqft |
| Year Built | Built 1918 |
|---|---|
| Effective Year Built | Effective 1918 |
| Construction Type | Frame |
| Lot Area | 6,600 sqft (0.152 acres) |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|
| Street Address | 1045 PROSPECT ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-2933 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CONGDONS 2ND ADDN SOUTH 50 FT LOT 8 BLOCK 2 |
| Legal Subdivision | CONGDONS 2ND ADDN |
| Legal Block | 2 |
| Legal Lot Number | 8 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 6 |
| Census Block | 6022 |
| Census Tract | 850800 |
Source: Kane County records · APN 06-12-107-004
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 Company Names on File |
|---|---|
| Mailing Address | 1045 PROSPECT ST, ELGIN, IL 60120-2933 |
| Owner Type | Company |
| Vesting | Life Tenant |
| Date | Document |
|---|---|
| Jun 25, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Feb 13, 2019 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | Apr 09, 2026 |
| Transfer Doc | 0000026640 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jun 25, 2026 |
| Property Address | 1045 PROSPECT ST, ELGIN, IL 60120-2933 |
| Document Number | 0000026640 |
| Instrument Date | Apr 09, 2026 |
| Instrument | 202626640 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Tenant |
| Address | 1045 PROSPECT ST, ELGIN, IL 60120-2933 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 1045 PROSPECT ST, ELGIN, IL 60120-2933 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | SNP TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0000005749 |
|---|---|
| Date | Feb 13, 2019 |
| Instrument | 2019K005749 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Mar 01, 2034 |
| Rate | 4.25% |
|---|
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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,710.00 (+13.68%) Homeowner's exemption Senior Citizen's exemption | $90,857 (+8.57%) Land $17,146 Building $73,711 | $272,680 (+8.57%) Land $51,459 Building $221,221 |
| 2024 | $83,686 (+21.39%) Land $15,793 Building $67,893 | $251,158 (+21.44%) Land $47,398 Building $203,761 | |
| 2022 | $5,023.00 (+5.35%) Homeowner's exemption | $68,938 (+6.96%) Land $13,010 Building $55,928 | $206,814 (+6.96%) Land $39,030 Building $167,784 |
| 2021 | $4,768.00 Homeowner's exemption | $64,452 Land $12,163 Building $52,289 | $193,356 Land $36,489 Building $156,867 |
Source: FEMA National Flood Hazard Layer as of October 8, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Radiate Holdings Cable | 1,500 / 50 |
May also be available: AT&T, T-Mobile USA, Verizon.
Based on FCC filings for 305 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ELGIN serves 114,797 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2025 |
| Lead | 19 ppb (2026) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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