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402 N Spring St, Elgin, IL 60120 Property Records

Kane County property record for 402 N Spring St, Elgin, IL 60120

Property Summary

Property TypeSingle Family Home
Details4 bd · 1.5 ba · 2,888 sqft · built 1871
Lot Size0.285 acres (12,402 sqft)
Owner2 Company Names on Record
Last Sale$249,000 (Feb 2003)
Tax Bill$8,454 (2025)
Deeds & MortgagesMay 2024 Transfer
Oct 2020 Line of Credit
Flood ZoneZone X (minimal risk)
APN06-11-487-011

Property Details

APN / Parcel Number

Primary APN06-11-487-011

Interior

Bedrooms4 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Stories2 Stories
Building Area2,888 sqft Living Area
Gross Area4,332 sqft
Basement Area1,444 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1871
Effective Year BuiltEffective 1871
Exterior MaterialBrick
Lot Area12,402 sqft (0.285 acres)
Garage TypeDetached
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemHVAC

Location & Zoning

Street Address402 N SPRING ST
CityELGIN
StateIL
Zip60120-3648
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionP J KIMBALL JRS 3RD ADDN SOUTH 12 FT B & ALL A LOT 2 BLOCK 17
Legal SubdivisionP J KIMBALL JRS 3RD ADDN
Legal Block17
Legal Lot Number2
JurisdictionKANE IL
Township / Civil DivisionELGIN
Census Block Group2
Census Block2027
Census Tract851302

Historic Designation

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

Historic DistrictWithin 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 Record2 Company Names on Record
Mailing Address402 N SPRING ST, ELGIN, IL 60120-3648
Owner TypeCompany
VestingLife Tenant

Deeds, Mortgages & Sale History

DateDocument
May 14, 2024Intrafamily Transfer, Transfer
ATTORNEY ONLY, ATTORNEY
Oct 20, 2020Deed of Trust, Mortgage · Line of Credit
METRO FCU

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 4, 2003 · Amount on Record
Deed SaleFeb 4, 2003 · Amount on Record
Deed Document Number200320794
Last Transfer DateApr 19, 2024
Transfer Doc0000016028
Record UpdatedOct 29, 2026

May 2024: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionKANE IL
Recording DateMay 14, 2024
Property Address402 N SPRING ST, ELGIN, IL 60120-3648
Document Number0000016028
Instrument DateApr 19, 2024
Instrument2024K016028
Transaction TypeTransfer
Record UpdatedMay 21, 2024
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
RelationshipLiving Trust
Address402 N SPRING ST, ELGIN, IL 60120-3648

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address402 N SPRING ST, ELGIN, IL 60120-3648
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000062776
DateOct 20, 2020
Instrument2020K062776
Lender
NameMETRO FCU
TypeCredit Union
AddressARLINGTON HEIGHTS, IL 60004
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

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$8,454.00 (+8.07%)$126,817 (+8.57%) Land $18,275 Building $108,542$380,603 (+8.57%) Land $54,847 Building $325,756
2024$116,806 (+21.39%) Land $16,832 Building $99,974$350,558 (+21.44%) Land $50,516 Building $300,042
2022$7,823.00 (+4.45%) Homeowner's exemption$96,220 (+6.96%) Land $13,865 Building $82,355$288,660 (+6.96%) Land $41,595 Building $247,065
2021$7,490.00 Homeowner's exemption$89,959 Land $12,963 Building $76,996$269,877 Land $38,889 Building $230,988

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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