403 N Spring St, Elgin, IL 60120 Property Records

Kane County property record for 403 N Spring St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,822 sqft · built 1875
Lot Size	0.181 acres (7,875 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (Oct 2019)
Tax Bill	$6,052 (2025)
Deeds & Mortgages	Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-12-360-004`

Property Details

APN / Parcel Number

Primary APN	`06-12-360-004`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,822 sqft Living Area
Gross Area	2,677 sqft
Basement Area	855 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1875
Effective Year Built	Effective 1875
Construction Type	Frame
Lot Area	7,875 sqft (0.181 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	403 N SPRING ST
City	ELGIN
State	IL
Zip	60120-3647
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	P J KIMBALL JRS 3RD ADDN EXCEPT EAST 60 FT & EXCEPT NORTH 58 FT SOUTH 1/2 LOT 1 BLOCK 16
Legal Subdivision	P J KIMBALL JRS 3RD ADDN
Legal Block	16
Legal Lot Number	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2020
Census Tract	851302

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	403 N SPRING ST, ELGIN, IL 60120-3647
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 17, 2019 · Amount on Record
Deed Sale	Oct 17, 2019 · Amount on Record
Prior Sale	Aug 17, 2012 · Amount on Record
Deed Document Number	201949260
Prior Transfer Date	Aug 31, 2016
Prior Transfer Doc	0000050087
Record Updated	Oct 29, 2026

October 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	KANE IL
Recording Date	Oct 17, 2019
Property Address	403 N SPRING ST, ELGIN, IL 60120-3647
Document Number	0000049260
Instrument Date	Sep 10, 2019
Instrument	2019K049260
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	ATTORNEYS TTL GUARANTY FUND

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$150.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 N SPRING ST, ELGIN, IL 60120-3647

Mortgage

Document Number	0000049261
Date	Oct 17, 2019
Instrument	2019K049261

Lender

Name	AMERICAN PORTFOLIO MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

Interest

Rate Type	Fixed Rate
Rate	35%

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	$6,052.00 (+15.83%) Homeowner's exemption	$87,329 (+8.57%) Land $18,145 Building $69,184	$262,092 (+8.57%) Land $54,457 Building $207,635
2024		$80,436 (+21.39%) Land $16,713 Building $63,723	$241,405 (+21.44%) Land $50,159 Building $191,245
2022	$5,225.00 (+4.69%) Homeowner's exemption	$66,261 (+6.96%) Land $13,768 Building $52,493	$198,783 (+6.96%) Land $41,304 Building $157,479
2021	$4,991.00 Homeowner's exemption	$61,949 Land $12,872 Building $49,077	$185,847 Land $38,616 Building $147,231

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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