444 Prairie St, Elgin, IL 60120 Property Records

Kane County property record for 444 Prairie St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,116 sqft · built 1916
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Jul 2021)
Tax Bill	$6,897 (2025)
Deeds & Mortgages	May 2026 Mortgage Jul 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-13-332-018`

Property Details

APN / Parcel Number

Primary APN	`06-13-332-018`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,116 sqft Living Area
Gross Area	3,336 sqft
Basement Area	1,220 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1916
Effective Year Built	Effective 1916
Construction Type	Frame
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	444 PRAIRIE ST
City	ELGIN
State	IL
Zip	60120-6644
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	JAMES T GIFFORDS ADDN EAST 2/3 LOT 10 BLOCK 6
Legal Subdivision	JAMES T GIFFORDS ADDN
Legal Block	6
Legal Lot Number	10
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2005
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

444 Prairie St is owned and occupied by an individual who acquired it in May 2026.

Source: Kane County records, as of July 23, 2026

Owner of Record	Individual Name on File
Mailing Address	444 PRAIRIE ST, ELGIN, IL 60120-6644
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
May 20, 2026	Quit Claim Deed, Transfer · Conventional Mortgage BANK NATIONAL ASSOCIATION
Jul 2, 2021	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Mar 25, 2019	Loan Modification, Mortgage · Conventional Mortgage MIDFIRST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 2, 2021 · Amount on File
Deed Sale	Jul 2, 2021 · Amount on File
Prior Sale	Jul 1, 2010 · Amount on File
Deed Document Number	202151113
Last Transfer Date	May 12, 2026
Transfer Doc	0000020811
Record Updated	Oct 29, 2026

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	May 20, 2026
Property Address	444 PRAIRIE ST, ELGIN, IL 60120-6644
Document Number	0000020811
Instrument Date	May 12, 2026
Instrument	202620811
Transaction Type	Transfer
Record Updated	Aug 29, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	444 PRAIRIE ST, ELGIN, IL 60120-6644
Investor	Possibly a Property Investor

Mortgage

Document Number	0000020812,
Date	May 20, 2026
Instrument	202620812

Lender

Name	BANK NATIONAL ASSOCIATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jun 1, 2046

Interest

Rate Type	Fixed Rate
Rate	8.04%
Initial Type	Fixed Rate
Max Rate	-1%

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 2, 2021
Property Address	444 PRAIRIE ST, ELGIN, IL 60120-6644
Document Number	0000051113
Instrument Date	Jun 18, 2021
Instrument	2021K051113
Transaction Type	Transfer
Record Updated	Jul 16, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	444 PRAIRIE ST, ELGIN, IL 60120-6644

Mortgage

Document Number	0000051114
Date	Jul 2, 2021
Instrument	2021K051114

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.25%

March 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KANE IL
Property Address	444 PRAIRIE ST, ELGIN, IL 60120-6644
Document Number	0000017001
Instrument Date	Mar 25, 2019
Transaction Type	Mortgage
Record Updated	May 10, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	444 PRAIRIE ST ELGIN IL 601206644, ELGIN, IL 60120-6644

Mortgage

Document Number	0000017001
Date	May 1, 2019
Instrument	17001

Lender

Name	MIDFIRST BK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 30, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 444 Prairie St was $6,897, up 4.3% from the year before.

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	$6,897.00 (+4.29%) Homeowner's exemption	$98,412 (+8.57%) Land $16,263 Building $82,149	$295,354 (+8.57%) Land $48,809 Building $246,546
2024	$6,613.00	$90,644 Land $14,979 Building $75,665	$272,041 Land $44,955 Building $227,086
2022	$5,954.00 (+4.58%) Homeowner's exemption	$74,670 (+6.96%) Land $12,339 Building $62,331	$224,010 (+6.96%) Land $37,017 Building $186,993
2021	$5,693.00 Homeowner's exemption	$69,811 Land $11,536 Building $58,275	$209,433 Land $34,608 Building $174,825

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 444 Prairie 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 444 Prairie 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 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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