464 Prospect St, Elgin, IL 60120 Property Records

Kane County property record for 464 Prospect St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,190 sqft · built 1905
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on Record
Last Sale	$248,000 (May 2026)
Tax Bill	$5,379 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage May 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-12-358-009`

Property Details

APN / Parcel Number

Primary APN	`06-12-358-009`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,190 sqft Living Area
Gross Area	2,268 sqft
1st Floor Area	1,190 sqft
Basement Area	1,078 sqft

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Construction Type	Frame
Foundation Type	Raised
Lot Area	4,356 sqft (0.1 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	464 PROSPECT ST
City	ELGIN
State	IL
Zip	60120-3781
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	P J KIMBALL JRS 3RD ADDN NORTH 1/2 SOUTH 4 RODS EAST 8 RODS LOT 3 BLOCK 23
Legal Subdivision	P J KIMBALL JRS 3RD ADDN
Legal Block	23
Legal Lot Number	3
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2025
Census Tract	851302

Owner

Source: Kane County records, 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	Individual Name on Record
Mailing Address	1076 MANCHESTER CT, SOUTH ELGIN, IL 60177-1435
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
May 6, 2026	Warranty Deed, Transfer · Conventional Mortgage CONSUMERS CREDIT UNION
May 25, 2021	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Mar 3, 2020	Warranty Deed, Transfer · Conventional Mortgage INLANTA MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2026 · Amount on Record
Deed Sale	May 6, 2026 · Amount on Record
Prior Sale	May 25, 2021 · Amount on Record
Deed Document Number	202618605
Prior Transfer Date	Feb 17, 2014
Prior Transfer Doc	0000009491
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 6, 2026
Property Address	464 PROSPECT ST, ELGIN, IL 60120-3781
Document Number	0000018605
Instrument Date	Apr 1, 2026
Instrument	202618605
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$37,572.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1076 MANCHESTER CT, SOUTH ELGIN, IL 60177-1435

Mortgage

Document Number	0000018606,
Date	May 6, 2026
Instrument	202618606

Lender

Name	CONSUMERS CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 25, 2021
Property Address	464 PROSPECT ST, ELGIN, IL 60120-3781
Document Number	0000040467
Instrument Date	May 12, 2021
Instrument	2021K040467
Transaction Type	Transfer
Record Updated	Jun 8, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$165.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	506 PARKSIDE CIR, 506, STREAMWOOD, IL 60107-1646

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1722 COLLINS HILL RD # H14, H14, LAWRENCEVILLE, GA 30043

Mortgage

Document Number	0000040468
Date	May 25, 2021
Instrument	2021K040468

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

Interest

Rate Type	Fixed Rate
Rate	4.75%

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Mar 3, 2020
Property Address	464 PROSPECT ST, ELGIN, IL 60120-3781
Document Number	0000011060
Instrument Date	Feb 14, 2020
Instrument	2020K011060
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$123.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	464 PROSPECT ST, 464, ELGIN, IL 60120-3781

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	464 PROSPECT ST, ELGIN, IL 60120-3781

Mortgage

Document Number	0000011061
Date	Mar 3, 2020
Instrument	2020K011061

Lender

Name	INLANTA MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2050

Interest

Rate	4.62%

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	$5,379.00 (+6.62%)	$70,510 (+11.84%) Land $10,071 Building $60,439	$211,615 (+11.84%) Land $30,225 Building $181,390
2024	$5,045.00 (+12.04%)	$63,047 (+21.39%) Land $9,276 Building $53,771	$189,217 (+21.44%) Land $27,839 Building $161,378
2022	$4,503.00 (+18.62%)	$51,936 (+6.96%) Land $7,641 Building $44,295	$155,808 (+6.96%) Land $22,923 Building $132,885
2021	$3,796.00 Homeowner's exemption	$48,557 Land $7,144 Building $41,413	$145,671 Land $21,432 Building $124,239

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

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 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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