514 Prospect St, Elgin, IL 60120 Property Records

Kane County property record for 514 Prospect St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,904 sqft · built 1900
Lot Size	0.182 acres (7,920 sqft)
Owner	Individual Name on Record
Last Sale	$70,000 (Jun 2009)
Tax Bill	$6,510 (2025)
Deeds & Mortgages	Dec 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-12-355-006`

Property Details

APN / Parcel Number

Primary APN	`06-12-355-006`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,904 sqft Living Area
Gross Area	2,856 sqft
Basement Area	952 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	7,920 sqft (0.182 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	514 PROSPECT ST
City	ELGIN
State	IL
Zip	60120-3729
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WM H WILCOXS SUB BLOCK 30 OF P J KIMBALL JRS 3RD ADDN NORTH 60 FT LOT 7
Legal Subdivision	WM H WILCOXS SUB
Legal Block	30
Legal Lot Number	7
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2013
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	514 PROSPECT ST, ELGIN, IL 60120-3729
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2009 · Amount on Record
Deed Sale	Jun 3, 2009 · Amount on Record
Prior Sale	Aug 1, 2008 · Amount on Record
Deed Document Number	200941556
Prior Transfer Date	Jan 6, 2004
Prior Transfer Doc	0000018627
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	514 PROSPECT ST, ELGIN, IL 60120-3729
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000075932
Date	Dec 8, 2020
Instrument	2020K075932

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Nov 2, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$6,510.00 (+15.84%) Homeowner's exemption	$93,338 (+8.57%) Land $17,245 Building $76,093	$280,126 (+8.57%) Land $51,756 Building $228,370
2024		$85,971 (+21.39%) Land $15,884 Building $70,087	$258,016 (+21.44%) Land $47,671 Building $210,345
2022	$5,620.00 (+4.64%) Homeowner's exemption	$70,820 (+6.96%) Land $13,085 Building $57,735	$212,460 (+6.96%) Land $39,255 Building $173,205
2021	$5,371.00 Homeowner's exemption	$66,212 Land $12,234 Building $53,978	$198,636 Land $36,702 Building $161,934

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 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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