Kane County property record for 1057 Prospect St, Elgin, IL 60120
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,116 sqft · built 1930 |
| Lot Size | 0.163 acres (7,084 sqft) |
| Owner | Individual Name on File |
| Last Sale | $127,500 (Jan 1996) |
| Tax Bill | $4,914 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-12-107-001 |
| Primary APN | 06-12-107-001 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,116 sqft Living Area |
| Gross Area | 2,232 sqft |
| 1st Floor Area | 1,116 sqft |
| Basement Area | 1,116 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Construction Type | Frame |
| Lot Area | 7,084 sqft (0.163 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|
| Street Address | 1057 PROSPECT ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-2933 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CONGDONS 2ND ADDN NORTH 53 FT OF LOT 10 BLOCK 2 |
| Legal Subdivision | CONGDONS 2ND ADDN |
| Legal Block | 2 |
| Legal Lot Number | 10 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 6 |
| Census Block | 6022 |
| Census Tract | 850800 |
1057 Prospect St is owned and occupied by an individual who acquired it in April 1997.
Source: Kane County records, as of July 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1057 PROSPECT ST, ELGIN, IL 60120-2933 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 16, 1996 · Amount on File |
| Deed Sale | Jan 16, 1996 · Amount on File |
| Deed Document Number | 19963650 |
| Last Transfer Date | Apr 28, 1997 |
| Transfer Doc | 0000028951 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 1057 PROSPECT ST, ELGIN, IL 60120-2933 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2021 |
| Title Company | NATIONALLINK |
| Name | Verified Name |
|---|
| Document Number | 0000012015 |
|---|---|
| Date | Feb 16, 2021 |
| Instrument | 2021K012015 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | MIAMISBURG, OH 45342 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Mar 1, 2041 |
| Rate | 3.25% |
|---|
The 2025 property tax bill for 1057 Prospect St was $4,914 with exemptions applied.
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,914.00 Homeowner's exemption Senior Citizen's exemption | $80,418 (+8.57%) Land $17,146 Building $63,272 | $241,351 (+8.57%) Land $51,459 Building $189,892 |
| 2024 | $74,071 Land $15,793 Building $58,278 | $222,302 Land $47,398 Building $174,904 | |
| 2022 | $4,337.00 (-4.77%) Homeowner's exemption | $61,018 (+6.96%) Land $13,010 Building $48,008 | $183,054 (+6.96%) Land $39,030 Building $144,024 |
| 2021 | $4,554.00 Homeowner's exemption | $57,047 Land $12,163 Building $44,884 | $171,141 Land $36,489 Building $134,652 |
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.
FEMA maps place 1057 Prospect St in Zone X, an area of minimal flood risk.
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 risk around 1057 Prospect St is low, with less than a 0.01% annual chance of 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.
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 |
| 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.
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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