514 N Spring St, Elgin, IL 60120 Property Records

Kane County property record for 514 N Spring St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,368 sqft · built 1900
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,513 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-11-481-013`

Property Details

APN / Parcel Number

Primary APN	`06-11-481-013`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,368 sqft Living Area
Gross Area	3,552 sqft
Basement Area	1,184 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	13,068 sqft (0.3 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	514 N SPRING ST
City	ELGIN
State	IL
Zip	60120-3650
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	P J KIMBALL JRS 3RD ADDN PART OF LOTS 2 & 3 BLOCK 34 DESC IN DOC 1514319 (EXCEPT DOC 1983399)
Legal Subdivision	P J KIMBALL JRS 3RD ADDN
Legal Block	34
Legal Lot Number	2,3
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2011
Census Tract	851302

Owner

Source: Kane County records · APN 06-11-481-013

Assessment roll updated July 23, 2026 · Last verified August 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	514 N SPRING ST, ELGIN, IL 60120-3650
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Jan 29, 2002
Transfer Doc	0000102940
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	514 N SPRING ST, ELGIN, IL 60120-3650
Transaction Type	Mortgage
Record Updated	Jan 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002440
Date	Jan 20, 2026
Instrument	2026K002440

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 19, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated July 23, 2026 · Last verified August 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 and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,513.00 (-20.65%) Homeowner's exemption Senior Citizen's exemption	$100,086 (+8.57%) Land $18,505 Building $81,581	$300,378 (+8.57%) Land $55,537 Building $244,841
2024		$92,185 (+21.4%) Land $17,044 Building $75,141	$276,666 (+21.44%) Land $51,152 Building $225,513
2022	$4,427.00 (-2.81%) Homeowner's exemption	$75,938 (+6.96%) Land $14,040 Building $61,898	$227,814 (+6.96%) Land $42,120 Building $185,694
2021	$4,555.00 Homeowner's exemption	$70,996 Land $13,126 Building $57,870	$212,988 Land $39,378 Building $173,610

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 8, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Not rated no burnable land within 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 as of August 1, 2026 · 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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Radiate Holdings 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: Opiquad, T-Mobile USA, Verizon.

Based on FCC filings for 504 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ELGIN serves 114,797 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.