122 N Spring St, Elgin, IL 60120 Property Records

Kane County property record for 122 N Spring St, Elgin, IL 60120 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 ba · 1,625 sqft · built 1920
Lot Size	0.29 acres (1,260 sqft)
Owner	Company Name on File
Last Sale	$520,000 (Apr 2026)
Tax Bill	$5,535 (2025)
Deeds & Mortgages	Apr 2026 Sale May 2022 Sale & Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-14-279-004`

Property Details

APN / Parcel Number

Primary APN	`06-14-279-004`

Interior

Full Baths	4 Baths
Stories	2 Stories
Building Area	1,625 sqft Living Area
Gross Area	2,504 sqft
Basement Area	879 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Construction Type	Frame
Lot Area	1,260 sqft (0.29 acres)
Lot Dimensions	60 ft deep x 21 ft wide

Location & Zoning

Street Address	122 N SPRING ST
City	ELGIN
State	IL
Zip	60120-5595
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TOWNER & WETMORES SUB LOT 1 (PART OF THIS BUILDING IS ON PARCEL 06-14-279-013)
Legal Subdivision	TOWNER&WETMORES SUB
Legal Block	2
Legal Lot Number	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2006
Census Tract	854600

Owner

Source: Kane County records · APN 06-14-279-004

Assessment roll updated August 25, 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	Company Name on File
Mailing Address	235 LAKE DR S, ALGONQUIN, IL 60102-1738
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

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

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 15, 2026 · Amount on Record
Deed Sale	Apr 15, 2026 · Amount on Record
Prior Sale	May 10, 2017 · Amount on Record
Deed Document Number	202615242
Prior Transfer Date	Jul 31, 1998
Prior Transfer Doc	0000108871
Record Updated	Sep 20, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 15, 2026
Property Address	122 N SPRING ST, ELGIN, IL 60120-5595
Document Number	0000015242
Instrument Date	Apr 03, 2026
Instrument	202615242
Transaction Type	Transfer
Record Updated	Apr 22, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Tax	$78,780.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	235 LAKE DR S, ALGONQUIN, IL 60102-1738

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 12, 2022
Property Address	122 N SPRING ST, ELGIN, IL 60120-5595
Document Number	0000025589
Instrument Date	Apr 21, 2022
Instrument	2022K025589
Transaction Type	Transfer
Record Updated	Aug 05, 2022
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$423.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1564 CRABTREE LN, CRYSTAL LAKE, IL 60014-2904

Mortgage

Document Number	0000025590
Date	May 12, 2022
Instrument	2022K025590

Lender

Name	OLD SECOND NATIONAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	122 N SPRING ST, ELGIN, IL 60120-5595
Document Number	0000025021
Instrument Date	May 24, 2018
Transaction Type	Mortgage
Record Updated	Jun 13, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	120-122 N SPING ST ELGIN IL 60120, ELGIN, IL 60120

Mortgage

Document Number	0000025021
Date	May 30, 2018
Instrument	25021

Lender

Name	STATE BK/GENEVA
Type	Bank
Address	GENEVA, IL 60134

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	May 29, 2023

Interest

Rate Type	Adjustable Rate
Rate	5.25%

May 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	KANE IL
Recording Date	May 10, 2017
Property Address	122 N SPRING ST, ELGIN, IL 60120-5595
Document Number	0000023983
Instrument Date	Apr 18, 2017
Instrument	2017K023983
Transaction Type	Foreclosure
Record Updated	Aug 05, 2022
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Tax	$238.50
Amount Accuracy	Rounded by County
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 W 785 BOWES BEND DR, ELGIN, IL 60124

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated August 25, 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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,535.00 (+3.5%)
2024	$5,348.00 (+21.74%)	$66,828 (+31.89%) Land $8,344 Building $58,484	$200,564 (+31.94%) Land $25,042 Building $175,522
2022	$4,393.00 (+3.95%)	$50,670 (+6.96%) Land $6,873 Building $43,797	$152,010 (+6.96%) Land $20,619 Building $131,391
2021	$4,226.00	$47,373 Land $6,426 Building $40,947	$142,119 Land $19,278 Building $122,841

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170898546002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	6 in force
Nearby Flood Claims	2 (2007–2013)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Apr 2013, Severe Storms, Straight-line Winds, And Flooding

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 545 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Radiate Holdings	Cable	1,500 / 50
Opiquad	Fixed Wireless (unlicensed)	100 / 20
AT&T	DSL	100 / 20

May also be available at this address: AT&T, T-Mobile USA, Verizon, Radiate Holdings. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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