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376 Prairie St, Elgin, IL 60120 Property Records

Kane County property record for 376 Prairie St, Elgin, IL 60120

Property Summary

Property TypeSingle Family Home
Details4 bd · 1 ba · 2,200 sqft · built 1882
Lot Size0.17 acres (7,405 sqft)
Owner2 Individual Names on File
Last Sale$95,000 (Aug 1995)
Tax Bill$4,025 (2025)
Deeds & MortgagesDec 2022 Transfer
Oct 2021 Line of Credit
Flood ZoneZone X (minimal risk)
APN06-13-331-019

Property Details

APN / Parcel Number

Primary APN06-13-331-019

Interior

Bedrooms4 Beds
Full Baths1 Bath
Total Rooms8 Rooms
Stories2 Stories
Building Area2,200 sqft Living Area
Gross Area3,300 sqft
Basement Area1,100 sqft

Exterior

Year BuiltBuilt 1882
Effective Year BuiltEffective 1882
Construction TypeFrame
Lot Area7,405 sqft (0.17 acres)
Garage TypeDetached
Parking Spaces2 Parking Spaces

Location & Zoning

Street Address376 PRAIRIE ST
CityELGIN
StateIL
Zip60120-6569
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionJAMES T GIFFORDS ADDN WEST 55 FT LOT 10 BLOCK 5
Legal SubdivisionJAMES T GIFFORDS ADDN
Legal Block5
Legal Lot Number10
JurisdictionKANE IL
Township / Civil DivisionELGIN
Census Block Group2
Census Block2040
Census Tract854600

Historic Designation

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

Historic DistrictWithin the Elgin Historic District
listed 1983 · 327 contributing resources · NRIS 83000318

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

Owner

376 Prairie St is owned and occupied by two individuals who acquired it in November 2022.

Source: Kane County records, as of July 23, 2026

Owner of Record2 Individual Names on File
Mailing Address376 PRAIRIE ST, ELGIN, IL 60120-6569
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Dec 6, 2022Intrafamily Transfer, Transfer
ATTORNEY ONLY, ATTORNEY
Oct 8, 2021Deed of Trust, Mortgage · Line of Credit
BAXTER CU

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 14, 1995 · Amount on File
Deed SaleAug 14, 1995 · Amount on File
Deed Document Number199545947
Deed Book / Page1117 / 856
Last Transfer DateNov 22, 2022
Transfer Doc0000057643
Record UpdatedSep 20, 2026

December 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionKANE IL
Recording DateDec 6, 2022
Property Address376 PRAIRIE ST, ELGIN, IL 60120-6569
Document Number0000057643
Instrument DateNov 22, 2022
Instrument2022K057643
Transaction TypeTransfer
Record UpdatedDec 13, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address376 PRAIRIE ST, ELGIN, IL 60120-6569

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address376 PRAIRIE ST, ELGIN, IL 60120-6569
Transaction TypeMortgage
Record UpdatedSep 15, 2022
Title CompanyMIS

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000076695
DateOct 8, 2021
Instrument2021K076695
Lender
NameBAXTER CU
TypeCredit Union
AddressVERNON HILLS, IL 60061
Agreement
TypeLine of Credit
AmountAmount on Record
Term120 Months
DueSep 30, 2031
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

The 2025 property tax bill for 376 Prairie St was $4,025 with exemptions applied.

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$4,025.00 Homeowner's exemption Senior Citizen's exemption$92,295 (+8.57%) Land $14,370 Building $77,925$276,996 (+8.57%) Land $43,127 Building $233,869
2024$85,010 Land $13,236 Building $71,774$255,132 Land $39,724 Building $215,408
2022$5,442.00 (+4.65%) Homeowner's exemption$68,764 (+6.96%) Land $10,904 Building $57,860$206,292 (+6.96%) Land $32,712 Building $173,580
2021$5,200.00 Homeowner's exemption$64,289 Land $10,194 Building $54,095$192,867 Land $30,582 Building $162,285

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

Flood

FEMA maps place 376 Prairie St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2007.

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
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

The area around 376 Prairie St has no burnable land within ember reach, so its wildfire risk is not rated.

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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