320 N Spring St, Elgin, IL 60120 Property Records

Kane County property record for 320 N Spring St, Elgin, IL 60120 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	6 Beds
Bathrooms	2 Baths
Year Built	Built 1874
Square Footage	2,851 sqft Living Area
Lot Size	5,663 sqft (0.13 acres)
Occupancy	Owner Occupied
Last Sale	$85,000 (2009)
Tax Bill	$7,361.00 (2025)

Owner

Source: Kane County records · APN 06-14-237-010

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	Individual Name on File
Mailing Address	320 N SPRING ST, ELGIN, IL 60120-4132
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 07, 2009 · Amount on Record
Deed Sale	Aug 07, 2009 · Amount on Record
Prior Sale	Aug 21, 2008
Deed Doc Number	200960828
Prior Transfer Date	Aug 06, 2003
Prior Transfer Doc	0000156530
Record Refreshed	Sep 20, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	320 N SPRING ST, ELGIN, IL 60120-4132
Transaction Type	Mortgage
Record Updated	Aug 05, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000063590
Date	Dec 06, 2017
Instrument	2017K063590

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 04, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

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 and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,361.00 (+15.85%) Homeowner's exemption
2024		$96,243 (+21.39%) Land $15,901 Building $80,342	$288,845 (+21.44%) Land $47,722 Building $241,122
2022	$6,354.00 (+4.56%) Homeowner's exemption	$79,281 (+6.96%) Land $13,098 Building $66,183	$237,843 (+6.96%) Land $39,294 Building $198,549
2021	$6,077.00 Homeowner's exemption	$74,122 Land $12,246 Building $61,876	$222,366 Land $36,738 Building $185,628

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 Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

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; lenders make the official flood determination.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified: October 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.

Property Details

APN / Parcel Number

Primary APN	`06-14-237-010`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Building Area	2,851 sqft Living Area
Gross Area	4,259 sqft Gross Area
Basement Area	1,408 sqft Basement
Stories	2 Stories

Exterior

Year Built	Built 1874
Effective Year Built	Effective 1874
Construction Type	Frame Construction
Foundation Type	No Foundation Foundation
Lot Area	5,663 sqft (0.13 acres)
Depth X Width	89 ft x 63 ft Depth x Width
Parking Spaces	1 Parking Spaces
Garage Type	Attached Garage

Utilities and HVAC

Cooling System	HVAC Cooling
Sewage	Municipal Sewage
Water Source	Commercial Water Source

Location & Zoning

Street Address	320 N SPRING ST
City	ELGIN
State	IL
Zip	60120-4132
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	P J KIMBALL JRS 3RD ADDN COUNTY CLERKS SUB A EXCEPT SOUTH 36 FT LOT 3 BLOCK 6
Legal Subdivision	COUNTY CLERKS SUB
Legal Block	6
Legal Lot Number	3
Jurisdiction	KANE IL
Minor Civil Division	ELGIN
Census Blockgroup	1
Census Block	1002
Census Tract	854600