409 N Spring St, Elgin, IL 60120 Property Records

Kane County property record for 409 N Spring St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,626 sqft · built 1900
Lot Size	0.145 acres (6,300 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,078 (2025)
Deeds & Mortgages	Jun 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-12-360-003`

Property Details

APN / Parcel Number

Primary APN	`06-12-360-003`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,626 sqft Living Area
Gross Area	2,439 sqft
Basement Area	813 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	6,300 sqft (0.145 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	409 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 SOUTH 2 FT NORTH 1/2 EXCEPT EAST 60 FT LOT 1 & EXCEPT EAST 60 FT NORTH 58 FT SOUTH 1/2 LOT 1 BLOCK 16
Legal Subdivision	P J KIMBALL JRS 3RD ADDN
Legal Block	2
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 assessment roll, 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	2 Individual Names on File
Mailing Address	409 N SPRING ST, ELGIN, IL 60120-3647
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Sep 20, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	409 N SPRING ST, ELGIN, IL 60120-3647
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000030929
Date	Jun 16, 2017
Instrument	2017K030929

Lender

Name	PACIFIC UNION FINANCIAL LLC
Type	Lending Institution
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2032

Interest

Rate Type	Fixed Rate
Rate	3.87%

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	$6,078.00 (+15.82%) Homeowner's exemption	$87,676 (+8.57%) Land $14,718 Building $72,958	$263,133 (+8.57%) Land $44,172 Building $218,962
2024		$80,755 (+21.39%) Land $13,556 Building $67,199	$242,362 (+21.44%) Land $40,684 Building $201,678
2022	$5,248.00 (+4.69%) Homeowner's exemption	$66,523 (+6.96%) Land $11,167 Building $55,356	$199,569 (+6.96%) Land $33,501 Building $166,068
2021	$5,013.00 Homeowner's exemption	$62,194 Land $10,440 Building $51,754	$186,582 Land $31,320 Building $155,262

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

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

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
Radiate Holdings 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: Opiquad, T-Mobile USA, Verizon.

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