411 Prospect St, Elgin, IL 60120 Property Records

Kane County property record for 411 Prospect St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,690 sqft · built 1898
Lot Size	0.274 acres (11,918 sqft)
Owner	Individual Name on File
Last Sale	$219,000 (May 2016)
Tax Bill	$7,890 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Feb 2024 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-12-362-002`

Property Details

APN / Parcel Number

Primary APN	`06-12-362-002`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,690 sqft Living Area
Gross Area	4,107 sqft
Basement Area	1,417 sqft

Exterior

Year Built	Built 1898
Effective Year Built	Effective 1898
Construction Type	Frame
Lot Area	11,918 sqft (0.274 acres)
Lot Width	66 ft Width
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	411 PROSPECT ST
City	ELGIN
State	IL
Zip	60120-3769
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	P J KIMBALL JRS 3RD ADD N 66 FT OS S 132 FT ASSESSORS SUB A LOT 5 BLK 14
Legal Subdivision	P J KIMBALL JRS 3RD ADD
Legal Block	14
Legal Lot Number	5
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2017
Census Tract	851302

Owner

411 Prospect St is owned and occupied by an individual who bought it in May 2016.

Source: Kane County records, as of September 30, 2026

Owner of Record	Individual Name on File
Mailing Address	411 PROSPECT ST, ELGIN, IL 60120-3769
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICELINK
Feb 28, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Mar 29, 2021	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 27, 2016 · Amount on File
Deed Sale	May 27, 2016 · Amount on File
Deed Document Number	201626005
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Recording Date	Sep 22, 2026
Property Address	411 PROSPECT ST, ELGIN, IL 60120-3769
Document Number	0000041089
Instrument Date	Aug 13, 2026
Instrument	202641089
Transaction Type	Mortgage
Record Updated	Sep 30, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 PROSPECT ST, ELGIN, IL 60120-3769

Mortgage

Document Number	0000041089,
Date	Sep 22, 2026
Instrument	202641089

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	480 Months
Due	Sep 1, 2066

Interest

Max Rate	-1%

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	411 PROSPECT ST, ELGIN, IL 60120-3769
Transaction Type	Mortgage
Record Updated	Mar 6, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 PROSPECT ST, ELGIN, IL 60120-3769

Mortgage

Document Number	0000006438
Date	Feb 28, 2024
Instrument	2024K006438

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	268 Months
Due	Jun 1, 2046

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	411 PROSPECT ST, ELGIN, IL 60120-3769
Transaction Type	Mortgage
Record Updated	Apr 9, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024361
Date	Mar 29, 2021
Instrument	2021K024361

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	303 Months
Due	Jun 1, 2046

Tax Assessment & Valuation

The 2025 property tax bill for 411 Prospect St was $7,890 with a homeowner's exemption.

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	$7,890.00 Homeowner's exemption	$111,433 (+8.57%) Land $20,984 Building $90,449	$334,433 (+8.57%) Land $62,977 Building $271,456
2024		$102,637 Land $19,328 Building $83,309	$308,034 Land $58,007 Building $250,027
2022	$6,270.00 (+4.57%) Homeowner's exemption	$78,309 (+6.96%) Land $15,921 Building $62,388	$234,927 (+6.96%) Land $47,763 Building $187,164
2021	$5,996.00 Homeowner's exemption	$73,213 Land $14,885 Building $58,328	$219,639 Land $44,655 Building $174,984

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 411 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 411 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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