421 Prairie St, Elgin, IL 60120 Property Records

Kane County property record for 421 Prairie St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,707 sqft · built 1900
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Tax Bill	$5,220 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Jun 2023 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`06-13-377-003`

Property Details

APN / Parcel Number

Primary APN	`06-13-377-003`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,707 sqft Living Area
Gross Area	2,517 sqft
Basement Area	810 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	421 PRAIRIE ST
City	ELGIN
State	IL
Zip	60120-6967
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	JAMES T GIFFORDS ADDN COUNTY CLERKS SUB D LOT 3 BLOCK 7
Legal Subdivision	COUNTY CLERKS SUB
Legal Block	7
Legal Lot Number	3
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2006
Census Tract	851301

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Elgin Historic District listed 1983 · 327 contributing resources · NRIS 83000318

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Kane County records, as of August 17, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	421 PRAIRIE ST, ELGIN, IL 60120-6967
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 26, 2025	Deed of Trust, Mortgage · FHA Mortgage PNC BANK NA
Jun 5, 2023	Deed of Trust, Mortgage · FHA Mortgage PNC BANK NA
Aug 6, 2021	Deed of Trust, Mortgage · FHA Mortgage PNC BANK NA
Jun 18, 2018	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Dec 27, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Nov 9, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 27, 2017
Transfer Doc	0000066959
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	421 PRAIRIE ST, ELGIN, IL 60120-6967
Transaction Type	Mortgage
Record Updated	Dec 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 PRAIRIE ST, ELGIN, IL 60120-6967

Mortgage

Document Number	0000047001
Date	Nov 26, 2025
Instrument	2025K047001

Lender

Name	PNC BANK NA
Type	Bank
Address	DAYTON, OH 45401

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	421 PRAIRIE ST, ELGIN, IL 60120-6967
Transaction Type	Mortgage
Record Updated	Jun 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 PRAIRIE ST, ELGIN, IL 60120-6967

Mortgage

Document Number	0000018003
Date	Jun 5, 2023
Instrument	2023K018003

Lender

Name	PNC BANK NA
Type	Bank
Address	DAYTON, OH 45401

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	339 Months
Due	Sep 1, 2051

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	421 PRAIRIE ST, ELGIN, IL 60120-6967
Transaction Type	Mortgage
Record Updated	Aug 16, 2021
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000060352
Date	Aug 6, 2021
Instrument	2021K060352

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Interest

Rate	3%

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	421 PRAIRIE ST, ELGIN, IL 60120-6967
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028591
Date	Jun 18, 2018
Instrument	2018K028591

Lender

Name	PNC BANK NA
Type	Bank
Address	CLEVELAND, OH 44101

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	144 Months
Due	Jun 5, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Dec 27, 2017
Property Address	421 PRAIRIE ST, ELGIN, IL 60120-6967
Document Number	0000066959
Instrument Date	Nov 27, 2017
Instrument	66959
Transaction Type	Transfer
Record Updated	Jan 8, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 PRAIRIE ST ELGIN IL 601206643, ELGIN, IL 60120-6643

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Nov 9, 2017
Property Address	421 PRAIRIE ST, ELGIN, IL 60120-6967
Document Number	0000059088
Instrument Date	Oct 20, 2017
Instrument	59088
Transaction Type	Transfer
Record Updated	Nov 30, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	40W612 HARPER DR HAMPSHIRE IL 601409081, HAMPSHIRE, IL 60140-9081

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	$5,220.00 (+25.75%) Homeowner's exemption	$76,423 (+8.57%) Land $16,822 Building $59,601	$229,361 (+8.57%) Land $50,486 Building $178,875
2024		$70,390 (+30.66%) Land $15,494 Building $54,896	$211,255 (+30.71%) Land $46,501 Building $164,754
2022	$4,151.00 (+4.88%) Homeowner's exemption	$53,874 (+6.96%) Land $12,764 Building $41,110	$161,622 (+6.96%) Land $38,292 Building $123,330
2021	$3,958.00 Homeowner's exemption	$50,368 Land $11,933 Building $38,435	$151,104 Land $35,799 Building $115,305

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

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 515 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
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Fox Valley Internet, T-Mobile.

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