316 N Spring St, Elgin, IL 60120 Property Records

Kane County property record for 316 N Spring St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,588 sqft · built 1900
Lot Size	0.74 acres (3,204 sqft)
Owner	Individual Name on Record
Last Sale	$201,000 (Sep 2023)
Tax Bill	$5,164 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-14-237-011`

Property Details

APN / Parcel Number

Primary APN	`06-14-237-011`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,588 sqft Living Area
Gross Area	2,382 sqft
Basement Area	794 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Construction Type	Frame
Lot Area	3,204 sqft (0.74 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	316 N SPRING ST
City	ELGIN
State	IL
Zip	60120-4132
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	P J KIMBALL JRS 3RD ADDN SOUTH 36 FT COUNTY CLERKS SUB A LOT 3 BLOCK 6
Legal Subdivision	COUNTY CLERKS SUB
Legal Block	6
Legal Lot Number	3
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1002
Census Tract	854600

Historic Designation

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

Historic District	Within the Spring-Douglas Historic District listed 2000 · 455 contributing resources · NRIS 00000410

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 Record	Individual Name on Record
Mailing Address	316 N SPRING ST, ELGIN, IL 60120-4132
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2025	Deed of Trust, Mortgage · Conventional Mortgage FAY SERVICING LLC
Sep 26, 2023	Administrator's Deed, Transfer · Conventional Mortgage THE FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 26, 2023 · Amount on Record
Deed Sale	Sep 26, 2023 · Amount on Record
Deed Document Number	202333529
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	316 N SPRING ST, ELGIN, IL 60120-4132
Transaction Type	Mortgage
Record Updated	Dec 31, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 N SPRING ST, ELGIN, IL 60120-4132

Mortgage

Document Number	0000050668
Date	Dec 22, 2025
Instrument	2025K050668

Lender

Name	FAY SERVICING LLC
Type	Mortgage Company
Address	TAMPA, FL 33609

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.12%

September 2023: Administrator's Deed, Transfer

Document Type	Administrator's Deed
Jurisdiction	KANE IL
Recording Date	Sep 26, 2023
Property Address	316 N SPRING ST, ELGIN, IL 60120-4132
Document Number	0000033529
Instrument Date	Sep 22, 2023
Instrument	2023K033529
Transaction Type	Transfer
Record Updated	Oct 5, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$201.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 N SPRING ST, ELGIN, IL 60120-4132

Mortgage

Document Number	0000033530
Date	Sep 26, 2023
Instrument	2023K033530

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2028
Change Frequency	Annually
Min Rate At Change	7.87%
Max Rate At Change	12.8%
Max Rate	12.8%

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,164.00 (+28.27%)	$75,693 (+8.57%) Land $7,677 Building $68,016	$227,170 (+8.57%) Land $23,040 Building $204,130
2024		$69,718 (+21.39%) Land $7,071 Building $62,647	$209,238 (+21.44%) Land $21,221 Building $188,016
2022	$4,026.00 (+5.7%) Homeowner's exemption	$57,432 (+6.96%) Land $5,825 Building $51,607	$172,296 (+6.96%) Land $17,475 Building $154,821
2021	$3,809.00 Homeowner's exemption	$53,695 Land $5,446 Building $48,249	$161,085 Land $16,338 Building $144,747

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not 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 Risk	Not 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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 504 locations within half a mile, as of December 31, 2025

Provider	Max 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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