408 N Spring St, Elgin, IL 60120 Property Records

Kane County property record for 408 N Spring St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,254 sqft · built 1900
Lot Size	0.197 acres (8,586 sqft)
Owner	Individual on Record
Last Sale	$365,000 (Jul 2024)
Tax Bill	$7,146 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-11-487-010`

Property Details

APN / Parcel Number

Primary APN	`06-11-487-010`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,254 sqft Living Area
Gross Area	3,381 sqft
Basement Area	1,127 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	8,586 sqft (0.197 acres)
Lot Dimensions	159 ft deep x 54 ft wide
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	408 N SPRING ST
City	ELGIN
State	IL
Zip	60120-3648
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	P J KIMBALL JRS 3RD ADDN NORTH 54 FT SUB B LOT 2 BLOCK 17
Legal Subdivision	P J KIMBALL JRS 3RD ADDN
Legal Block	17
Legal Lot Number	2
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2027
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 assessment roll, as of December 26, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual on Record
Mailing Address	5434 W WRIGHTWOOD AVE, CHICAGO, IL 60639-1441
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Aug 21, 2018	Warranty Deed, Transfer · Conventional Mortgage HOMESTEAD FUNDING CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2024 · Amount on Record
Deed Sale	Jul 31, 2024 · Amount on Record
Prior Sale	Aug 21, 2018 · Amount on Record
Prior Transfer Date	Sep 15, 2020
Prior Transfer Doc	0000062239
Record Updated	Sep 20, 2026

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Oct 19, 2020
Property Address	408 N SPRING ST, ELGIN, IL 60120-3648
Document Number	0000062239
Instrument Date	Sep 15, 2020
Instrument	2020K062239
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	OLD REPUBLIC NATL TTL INS CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 N SPRING ST, ELGIN, IL 60120-3648

Mortgage

Document Number	0000062240
Date	Oct 19, 2020
Instrument	2020K062240

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.62%

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 21, 2018
Property Address	408 N SPRING ST, ELGIN, IL 60120-3648
Document Number	0000041080
Instrument Date	Jul 12, 2018
Instrument	2018K041080
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CHICAGO TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$205.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	408 N SPRING ST, ELGIN, IL 60120-3648

Mortgage

Document Number	0000041081
Date	Aug 21, 2018
Instrument	2018K041081

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2048

Interest

Rate Type	Fixed Rate
Rate	4.37%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of December 26, 2025

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	$7,146.00 (+15.86%)
2024		$93,645 (+21.39%) Land $13,556 Building $80,089	$281,047 (+21.44%) Land $40,684 Building $240,363
2022	$6,168.00 (+4.56%) Homeowner's exemption	$77,141 (+6.96%) Land $11,167 Building $65,974	$231,423 (+6.96%) Land $33,501 Building $197,922
2021	$5,899.00 Homeowner's exemption	$72,121 Land $10,440 Building $61,681	$216,363 Land $31,320 Building $185,043

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

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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