406 Prospect St, Elgin, IL 60120 Property Records

Kane County property record for 406 Prospect St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	8 bd · 4 ba · 4,416 sqft · built 1900
Lot Size	0.48 acres (20,914 sqft)
Owner	2 Individual Names on File
Last Sale	$462,500 (Oct 2021)
Tax Bill	$9,953 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-12-361-010`

Property Details

APN / Parcel Number

Primary APN	`06-12-361-010`

Interior

Bedrooms	8 Beds
Full Baths	4 Baths
Total Rooms	18 Rooms
Stories	2 Stories
Building Area	4,416 sqft Living Area
Gross Area	5,535 sqft
Basement Area	1,119 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Raised
Lot Area	20,914 sqft (0.48 acres)

Utilities, Heating & Cooling

Heating System	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	406 PROSPECT ST
City	ELGIN
State	IL
Zip	60120-3762
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	P J KIMBALL JRS 3RD ADDN EAST 7.5 RODS LOT 4 & SOUTH 37 FT EAST 7.5 RODS LOT 3 BLOCK 15
Legal Subdivision	P J KIMBALL JRS 3RD ADDN
Legal Block	15
Legal Lot Number	4,3
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2018
Census Tract	851302

Owner

406 Prospect St is owned and occupied by two individuals who bought it in October 2021.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	406 PROSPECT ST, ELGIN, IL 60120-3762
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 14, 2021 · Amount on File
Deed Sale	Oct 14, 2021 · Amount on File
Prior Sale	Jul 10, 2013 · Amount on File
Deed Document Number	202177918
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 14, 2021
Property Address	406 PROSPECT ST, ELGIN, IL 60120-3762
Document Number	0000077918
Instrument Date	Sep 15, 2021
Instrument	2021K077918
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$462.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	133 N PORTER ST, ELGIN, IL 60120-4428

Mortgage

Document Number	0000077919
Date	Oct 14, 2021
Instrument	2021K077919

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

Interest

Rate Type	Fixed Rate
Rate	4.87%

Tax Assessment & Valuation

The 2025 property tax bill for 406 Prospect St was $9,953.

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	$9,953.00	$130,474 (+8.57%) Land $20,871 Building $109,603	$391,579 (+8.57%) Land $62,638 Building $328,941
2024		$120,175 Land $19,224 Building $100,951	$360,669 Land $57,695 Building $302,974
2022	$7,928.00 (+3.96%)	$91,436 (+6.96%) Land $15,836 Building $75,600	$274,308 (+6.96%) Land $47,508 Building $226,800
2021	$7,626.00	$85,487 Land $14,806 Building $70,681	$256,461 Land $44,418 Building $212,043

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

FEMA maps place 406 Prospect St in Zone X, an area of minimal flood risk.

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

The area around 406 Prospect 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 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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