515 Prospect St, Elgin, IL 60120 Property Records

Kane County property record for 515 Prospect St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,866 sqft · built 1905
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$330,000 (Oct 2024)
Tax Bill	$7,475 (2025)
Deeds & Mortgages	Jun 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`06-12-356-002`

Property Details

APN / Parcel Number

Primary APN	`06-12-356-002`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,866 sqft Living Area
Gross Area	4,391 sqft
Basement Area	1,525 sqft

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Construction Type	Frame
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	515 PROSPECT ST
City	ELGIN
State	IL
Zip	60120-3783
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	JOHN WAITS SUB BLK 27 P J KIMBALL JRS 3RD ADD LOT 5 BLK 27
Legal Subdivision	JOHN WAITS SUB
Legal Block	27
Legal Lot Number	5
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2014
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	638 GRACE ST, ELGIN, IL 60120-8385
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 17, 2024 · Amount on Record
Deed Sale	Oct 17, 2024 · Amount on Record
Prior Sale	Jun 1, 2022 · Amount on Record
Deed Document Number	202437876
Record Updated	Oct 29, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 1, 2022
Property Address	515 PROSPECT ST, ELGIN, IL 60120-3783
Document Number	0000028895
Instrument Date	May 23, 2022
Instrument	2022K028895
Transaction Type	Transfer
Record Updated	Jun 8, 2022
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Tax	$219.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	324 JEFFERSON AVE, ELGIN, IL 60120-3743

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	$7,475.00 (+25.13%)	$97,989 (+8.57%) Land $18,976 Building $79,013	$294,085 (+8.57%) Land $56,951 Building $237,134
2024		$90,254 (+30.99%) Land $17,478 Building $72,776	$270,870 (+31.05%) Land $52,455 Building $218,415
2022	$5,974.00 (+3.95%)	$68,899 (+6.96%) Land $14,398 Building $54,501	$206,697 (+6.96%) Land $43,194 Building $163,503
2021	$5,747.00	$64,416 Land $13,461 Building $50,955	$193,248 Land $40,383 Building $152,865

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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