414 N Spring St, Elgin, IL 60120 Property Records

Kane County property record for 414 N Spring St, Elgin, IL 60120 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,894 sqft · built 1901
Lot Size	0.219 acres (9,540 sqft)
Owner	2 Individual Names on File
Last Sale	$315,000 (Oct 2022)
Tax Bill	$6,113 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Apr 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-11-487-009`

Property Details

APN / Parcel Number

Primary APN	`06-11-487-009`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,894 sqft Living Area
Gross Area	2,841 sqft
Basement Area	947 sqft

Exterior

Year Built	Built 1901
Effective Year Built	Effective 1901
Construction Type	Frame
Lot Area	9,540 sqft (0.219 acres)
Lot Dimensions	159 ft deep x 60 ft wide
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	414 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 SOUTH 60 FT SUB C 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

Owner

Source: Kane County records · APN 06-11-487-009

Assessment roll updated August 25, 2025 · Last verified July 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	414 N SPRING ST, ELGIN, IL 60120-3648
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2022	Warranty Deed, Transfer · Conventional Mortgage KEY MORTGAGE SERVICES INC
Apr 08, 2019	Warranty Deed, Transfer · Conventional Mortgage WINTRUST BANK
Jul 17, 2017	Grant Deed, Transfer BOSTON NATIONAL TITLE AGENCY, BOSTON NAT'L TITLE AGCY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 28, 2022 · Amount on Record
Deed Sale	Oct 28, 2022 · Amount on Record
Prior Sale	Apr 08, 2019 · Amount on Record
Deed Document Number	202252639
Record Updated	Sep 20, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 28, 2022
Property Address	414 N SPRING ST, ELGIN, IL 60120-3648
Document Number	0000052639
Instrument Date	Oct 21, 2022
Instrument	2022K052639
Transaction Type	Transfer
Record Updated	Nov 03, 2022
Title Company	CT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$315.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	414 N SPRING ST, ELGIN, IL 60120-3648

Mortgage

Document Number	0000052640
Date	Oct 28, 2022
Instrument	2022K052640

Lender

Name	KEY MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2052

Interest

Rate Type	Fixed Rate
Rate	6.37%

Mortgage

Document Number	0000052641
Date	Oct 28, 2022
Instrument	2022K052641

Lender

Name	ILLINOIS HOUSING DEVELOPMENT AUTHORITY
Type	Government Agency
Address	CHICAGO, IL 60601

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Nov 01, 2027

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 08, 2019
Property Address	414 N SPRING ST, ELGIN, IL 60120-3648
Document Number	0000013442
Instrument Date	Apr 02, 2019
Instrument	2019K013442
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$220.00
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	414 N SPRING ST, ELGIN, IL 60120-3648

Mortgage

Document Number	0000013443
Date	Apr 08, 2019
Instrument	2019K013443

Lender

Name	WINTRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 01, 2034

Interest

Rate Type	Fixed Rate
Rate	4.37%

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KANE IL
Recording Date	Jul 17, 2017
Property Address	414 N SPRING ST, ELGIN, IL 60120-3648
Document Number	0000036609
Instrument Date	Jun 06, 2017
Instrument	36609
Transaction Type	Transfer
Record Updated	Aug 03, 2017
Title Company	BOSTON NATIONAL TITLE AGENCY, BOSTON NAT'L TITLE AGCY

Transaction

Amount	Amount Recorded
Tax	$117.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	726 W BUCKINGHAM PL CHICAGO IL 606572411, CHICAGO, IL 60657-2411

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,113.00 (+23.64%) Homeowner's exemption
2024		$81,179 (+21.39%) Land $14,032 Building $67,147	$243,634 (+21.44%) Land $42,113 Building $201,522
2022	$4,944.00 (+4.72%) Homeowner's exemption	$66,872 (+6.96%) Land $11,559 Building $55,313	$200,616 (+6.96%) Land $34,677 Building $165,939
2021	$4,721.00 Homeowner's exemption	$62,521 Land $10,807 Building $51,714	$187,563 Land $32,421 Building $155,142

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 504 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Radiate Holdings	Cable	1,500 / 50
AT&T	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20

May also be available at this address: Opiquad, T-Mobile USA, Radiate Holdings, Verizon, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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