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21-23 S Spring St, Elgin, IL 60120 Property Records

Kane County property record for 21-23 S Spring St, Elgin, IL 60120

Property Summary

Property TypeCommercial
Details2,310 sqft · built 1952
Lot Size0.3 acres (1,307 sqft)
OwnerIndividual Name on Record
Last Sale$180,000 (Oct 2020)
Tax Bill$4,212 (2025)
Deeds & MortgagesOct 2020 Sale & Line of Credit
Flood ZoneZone X (minimal risk)
APN06-13-301-002

Property Details

APN / Parcel Number

Primary APN06-13-301-002

Interior

Building Area2,310 sqft Gross Area

Exterior

Year BuiltBuilt 1952
Effective Year BuiltEffective 1952
Exterior MaterialBrick
Lot Area1,307 sqft (0.3 acres)

Location & Zoning

Street Address21 S SPRING ST, 23
CityELGIN
StateIL
Zip60120-6415
Property CategoryCommercial
Property TypeCommercial > Retail
Legal DescriptionJAMES T GIFFORDS PLAT OF EAST ELGIN SOUTH 22 FT COUNTY CLARKS SUB 1 LOT 6 BLOCK 11
Legal SubdivisionJAMES T GIFFORDS PLAT
Legal Block11
Legal Lot Number6
JurisdictionKANE IL
Township / Civil DivisionELGIN
Census Block Group2
Census Block2027
Census Tract854600

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin the Elgin Downtown Commercial District (Additional Documentation)
listed 2014 · 81 contributing resources · NRIS 14001067

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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 RecordIndividual Name on Record
Mailing Address21 S SPRING ST, 23, ELGIN, IL 60120-6415
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 29, 2020 · Amount on Record
Deed SaleOct 29, 2020 · Amount on Record
Deed Document Number202065454
Prior Transfer DateJul 1, 1994
Prior Transfer Doc0000054987
Record UpdatedOct 29, 2026

October 2020: Deed, Transfer

Document TypeDeed
JurisdictionKANE IL
Recording DateOct 29, 2020
Property Address21-23 S SPRING ST, ELGIN, IL 60120
Document Number0000065454
Instrument DateSep 30, 2020
Instrument2020K065454
Transaction TypeTransfer
Record UpdatedSep 21, 2022

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$180.00
Amount AccuracyRounded by County
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address21 S SPRING ST # 23, 23, ELGIN, IL 60120-6415

Mortgage

Document Number0000065455
DateOct 29, 2020
Instrument2020K065455
Lender
NameTBK BANK SSB
TypeBank
Agreement
TypeLine of Credit
AmountAmount Recorded
Term60 Months
DueSep 30, 2025

Tax Assessment & Valuation

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,212.00 (+15.97%)$55,215 (+8.57%) Land $14,263 Building $40,952$165,711 (+8.57%) Land $42,806 Building $122,905
2024$50,856 (+21.39%) Land $13,137 Building $37,719$152,629 (+21.44%) Land $39,427 Building $113,202
2022$3,632.00 (+3.95%)$41,893 (+6.96%) Land $10,822 Building $31,071$125,679 (+6.96%) Land $32,466 Building $93,213
2021$3,494.00$39,167 Land $10,118 Building $29,049$117,501 Land $30,354 Building $87,147

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies6 in force
Nearby Flood Claims2 (2007–2013)
Claims Outside the SFHA1 of 2
Most Recent ClaimApr 2013 · Severe Storms, Straight-line Winds, And Flooding

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 RiskNot rated
no burnable land within 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 SystemELGIN
serves 114,797 people · EPA ID IL0894380
Water SourceSurface water
Last State InspectionAug 2025
Lead19 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting8
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 545 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Astound Broadband
Cable · Fiber in parts of the area		1,500 / 50
Fox Valley Internet
Fixed Wireless		100 / 20
AT&T
DSL · Fiber, Fixed Wireless in parts of the area		100 / 20

May also be available: T-Mobile, Verizon.

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