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277 N Spring St, #79, Elgin, IL 60120 Property Records

Kane County property record for 277 N Spring St, #79, Elgin, IL 60120

Property Summary

Property TypeSingle Family Home
Owner2 Individual Names on Record
Tax Bill$7,818 (2025)
Deeds & MortgagesJun 2020 Mortgage
Jun 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN06-13-105-018

Property Details

APN / Parcel Number

Primary APN06-13-105-018
Alternative APN
  • 06-13-105-021

Location & Zoning

Old Parcel Number0613105018
Street Address277 N SPRING ST, 79
CityELGIN
StateIL
Zip60120-4129
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionKIMBALL, P J, JRS 3RD ADD BLK 2 PT LT 3 & PT LT 4 DESC IN DOC 2019K024672 CONSOLIDATED PER TP REQ DATED 04/02/2024 24DIV181
Legal SubdivisionKIMBALL P J JRS 3RD ADD
Legal Block2
Legal Lot Number3,4
JurisdictionKANE IL
Township / Civil DivisionELGIN
Census Block Group1
Census Block1005
Census Tract854600

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 Record2 Individual Names on Record
Mailing Address277 N SPRING ST, ELGIN, IL 60120-4129
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 23, 2020Deed of Trust, Mortgage · FHA Mortgage
HUD-HOUSING/URBAN DEV
Jun 14, 2019Warranty Deed, Transfer · FHA Mortgage
MR COOPER

Assessor's Deed Record

Deed Names2 Names on Deed
Record UpdatedSep 20, 2026

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address277 N SPRING ST # 79, 79, ELGIN, IL 60120-4129
Document Number0000060623
Instrument DateJun 23, 2020
Transaction TypeMortgage
Record UpdatedOct 26, 2020
Title CompanyCORELOGIC-SOLUTIONS EXPRESS

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
Address277 N SPRING ST ELGIN IL 601204129, ELGIN, IL 60120-4129

Mortgage

Document Number0000060623
DateOct 13, 2020
Instrument60623
Lender
NameHUD-HOUSING/URBAN DEV
Address451 7TH ST SW, WASHINGTON, DC 20410-0001
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueOct 12, 2050

June 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKANE IL
Recording DateJun 14, 2019
Property Address277 N SPRING ST # 79, 79, ELGIN, IL 60120-4129
Document Number0000024672
Instrument DateMar 27, 2019
Instrument24672
Transaction TypeTransfer
Record UpdatedJan 26, 2021
Title CompanyCHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$315.00
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address277 N SPRING ST ELGIN IL 60120, ELGIN, IL 60120

Mortgage

Document Number24673
DateJun 14, 2019
Instrument24673
Lender
NameMR COOPER
AddressDALLAS, TX 75019
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJun 13, 2049
Interest
Rate TypeFixed Rate
Rate4.5%

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$7,818.00 (+2%)$102,487 (+8.57%) Land $12,339 Building $90,148$307,584 (+8.57%) Land $37,032 Building $270,552
2024$94,397 (+25.62%) Land $11,365 Building $83,032$283,304 (+25.67%) Land $34,109 Building $249,196
2022$6,515.00 (+3.96%)$75,144 (+6.96%) Land $6,745 Building $68,399$225,432 (+6.96%) Land $20,235 Building $205,197
2021$6,267.00$70,254 Land $6,306 Building $63,948$210,762 Land $18,918 Building $191,844

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; 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 504 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
AT&T
Fixed Wireless · DSL · Fiber in parts of the area		100 / 20

May also be available: Fox Valley Internet, T-Mobile, Verizon.

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