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120 N Spring St, Elgin, IL 60120 Property Records

Kane County property record for 120 N Spring St, Elgin, IL 60120 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 ba · 1,412 sqft · built 1920
Lot Size0.41 acres (1,800 sqft)
OwnerCompany Name on File
Last Sale$520,000 (Apr 2026)
Tax Bill$5,020 (2025)
Deeds & MortgagesApr 2026 Sale
May 2022 Sale & Line of Credit
+ 2 more
Flood ZoneZone X (minimal risk)
APN06-14-279-013

Property Details

APN / Parcel Number

Primary APN06-14-279-013

Interior

Full Baths3 Baths
Stories2 Stories
Building Area1,412 sqft Living Area
Gross Area2,118 sqft
Basement Area706 sqft

Exterior

Year BuiltBuilt 1920
Effective Year BuiltEffective 1920
Construction TypeFrame
Lot Area1,800 sqft (0.41 acres)
Lot Dimensions60 ft deep x 30 ft wide

Location & Zoning

Street Address120 N SPRING ST
CityELGIN
StateIL
Zip60120-5598
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionTOWNER & WETMORES SUB LOT 2 & NORTH 9 FT OF LOT 3 (PART OF THIS BUILDING IS ON PARCEL 06-14-279-004)
Legal SubdivisionTOWNER&WETMORES SUB
Legal Block2
Legal Lot Number2,3
JurisdictionKANE IL
Township / Civil DivisionELGIN
Census Block Group2
Census Block2006
Census Tract854600

Owner

Source: Kane County records · APN 06-14-279-013

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 RecordCompany Name on File
Mailing Address235 LAKE DR S, ALGONQUIN, IL 60102-1738
Owner TypeCompany
VestingTrust

Deeds, Mortgages & Sale History

DateDocument
Apr 15, 2026Warranty Deed, Transfer
E-CHICAGO TITLE, CHICAGO TITLE
May 12, 2022Warranty Deed, Transfer · Line of Credit
OLD SECOND NATIONAL BANK
May 24, 2018Deed of Trust, Mortgage · Line of Credit
STATE BK/GENEVA
May 10, 2017Trustee's Deed, Foreclosure
CHICAGO TITLE INSURANCE CO

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleApr 15, 2026 · Amount on Record
Deed SaleApr 15, 2026 · Amount on Record
Prior SaleMay 12, 2022 · Amount on Record
Deed Document Number202615242
Record UpdatedSep 20, 2026

April 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKANE IL
Recording DateApr 15, 2026
Property Address120 N SPRING ST, ELGIN, IL 60120-5598
Document Number0000015242
Instrument DateApr 03, 2026
Instrument202615242
Transaction TypeTransfer
Record UpdatedApr 22, 2026
Title CompanyE-CHICAGO TITLE, CHICAGO TITLE

Transaction

AmountAmount Recorded
Tax$78,780.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTrust
Address235 LAKE DR S, ALGONQUIN, IL 60102-1738

May 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKANE IL
Recording DateMay 12, 2022
Property Address120 N SPRING ST, ELGIN, IL 60120-5598
Document Number0000025589
Instrument DateApr 21, 2022
Instrument2022K025589
Transaction TypeTransfer
Record UpdatedAug 05, 2022
Title CompanyCHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$423.00
Amount AccuracyRounded by County
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address1564 CRABTREE LN, CRYSTAL LAKE, IL 60014-2904

Mortgage

Document Number0000025590
DateMay 12, 2022
Instrument2022K025590
Lender
NameOLD SECOND NATIONAL BANK
TypeBank
Agreement
TypeLine of Credit
AmountAmount Recorded

May 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address120 N SPRING ST, ELGIN, IL 60120-5598
Document Number0000025021
Instrument DateMay 24, 2018
Transaction TypeMortgage
Record UpdatedJun 13, 2018

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address120-122 N SPING ST ELGIN IL 60120, ELGIN, IL 60120

Mortgage

Document Number0000025021
DateMay 30, 2018
Instrument25021
Lender
NameSTATE BK/GENEVA
TypeBank
AddressGENEVA, IL 60134
Agreement
TypeLine of Credit
AmountAmount Recorded
Term60 Months
DueMay 29, 2023
Interest
Rate TypeAdjustable Rate
Rate5.25%

May 2017: Trustee's Deed, Foreclosure

Document TypeTrustee's Deed
JurisdictionKANE IL
Recording DateMay 10, 2017
Property Address120 N SPRING ST, ELGIN, IL 60120-5598
Document Number0000023983
Instrument DateApr 18, 2017
Instrument2017K023983
Transaction TypeForeclosure
Record UpdatedAug 05, 2022
Title CompanyCHICAGO TITLE INSURANCE CO

Transaction

AmountAmount Recorded
Tax$238.50
Amount AccuracyRounded by County
Additional
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
Address40 W 785 BOWES BEND DR, ELGIN, IL 60124

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated December 26, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionElgin Township
MunicipalityElgin City
Unified School DistrictSchool District U-46 (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$5,020.00 (+3.51%)
2024$4,850.00 (+21.58%)$60,608 (+31.72%) Land $8,344 Building $52,264$181,897 (+31.77%) Land $25,042 Building $156,855
2022$3,989.00 (+3.93%)$46,013 (+6.96%) Land $6,873 Building $39,140$138,039 (+6.96%) Land $20,619 Building $117,420
2021$3,838.00$43,019 Land $6,426 Building $36,593$129,057 Land $19,278 Building $109,779

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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

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