1049 Prospect St, Elgin, IL 60120 Property Records

Kane County property record for 1049 Prospect St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,476 sqft · built 1914
Lot Size	0.152 acres (6,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$286,000 (May 2021)
Tax Bill	$6,524 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-12-107-003`

Property Details

APN / Parcel Number

Primary APN	`06-12-107-003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,476 sqft Living Area
Gross Area	2,232 sqft
Basement Area	756 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1914
Effective Year Built	Effective 1914
Construction Type	Frame
Lot Area	6,600 sqft (0.152 acres)
Garage Type	Detached
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	1049 PROSPECT ST
City	ELGIN
State	IL
Zip	60120-2933
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CONGDONS 2ND ADDN NORTH 16 FT OF LOT 8 & SOUTH 34 FT OF LOT 9 BLOCK 2
Legal Subdivision	CONGDONS 2ND ADDN
Legal Block	2
Legal Lot Number	8,9
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	2 Individual Names on Record
Mailing Address	1049 PROSPECT ST, ELGIN, IL 60120-2933
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2021 · Amount on Record
Deed Sale	May 18, 2021 · Amount on Record
Prior Sale	May 6, 1997 · Amount on Record
Deed Document Number	202138525
Record Updated	Oct 29, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 18, 2021
Property Address	1049 PROSPECT ST, ELGIN, IL 60120-2933
Document Number	0000038525
Instrument Date	Apr 14, 2021
Instrument	2021K038525
Transaction Type	Transfer
Record Updated	Jun 2, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$286.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10813 FOSTER RD, 10813, HUNTLEY, IL 60142-9556

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1049 PROSPECT ST # 328, 328, ELGIN, IL 60120-2933

Mortgage

Document Number	0000038526
Date	May 18, 2021
Instrument	2021K038526

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2036

Interest

Rate Type	Fixed Rate
Rate	2.75%

Mortgage

Document Number	0000038527
Date	May 18, 2021
Instrument	2021K038527

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Apr 23, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$6,524.00 (+15.82%) Homeowner's exemption	$93,527 (+8.57%) Land $17,146 Building $76,381	$280,693 (+8.57%) Land $51,459 Building $229,235
2024		$86,145 (+21.39%) Land $15,793 Building $70,352	$258,538 (+21.44%) Land $47,398 Building $211,140
2022	$5,633.00 (+4.64%) Homeowner's exemption	$70,964 (+6.96%) Land $13,010 Building $57,954	$212,892 (+6.96%) Land $39,030 Building $173,862
2021	$5,383.00 Homeowner's exemption	$66,346 Land $12,163 Building $54,183	$199,038 Land $36,489 Building $162,549

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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