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521 E Spring Ave, South Elgin, IL 60177 Property Records

Kane County property record for 521 E Spring Ave, South Elgin, IL 60177 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details1 ba · 1,176 sqft · built 1954
Lot Size0.182 acres (7,920 sqft)
Owner2 Individual Names on File
Last Sale$300,000 (Apr 2026)
Tax Bill$4,977 (2025)
Deeds & MortgagesApr 2026 Sale & Mortgage
Mar 2026 Sale
+ 2 more
Flood ZoneZone X (minimal risk)
APN06-35-456-008

Property Details

APN / Parcel Number

Primary APN06-35-456-008

Interior

Full Baths1 Bath
Total Rooms4 Rooms
Stories1 Story
Building Area1,176 sqft Living Area
1st Floor Area1,176 sqft

Exterior

Year BuiltBuilt 1954
Effective Year BuiltEffective 1954
Construction TypeFrame
Lot Area7,920 sqft (0.182 acres)
Garage TypeDetached
Parking Spaces2 Parking Spaces

Location & Zoning

Street Address521 E SPRING AVE
CitySOUTH ELGIN
StateIL
Zip60177-2441
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionFOX RIVER CRYSTAL SPRINGS LOTS 14 & 15 BLOCK 6
Legal SubdivisionFOX RIVER CRYSTAL SPRINGS
Legal Block6
Legal Lot Number14,15
JurisdictionKANE IL
Township / Civil DivisionELGIN
Census Block Group3
Census Block3002
Census Tract851801

Owner

Source: Kane County records · APN 06-35-456-008

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 Record2 Individual Names on File
Mailing Address521 E SPRING AVE, SOUTH ELGIN, IL 60177-2441
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Apr 24, 2026Warranty Deed, Transfer · Conventional Mortgage
NEIGHBORHOOD LOANS
Mar 24, 2026Warranty Deed, Transfer
BLACKHAWK TITLE SERVICES
Oct 06, 2022Deed of Trust, Mortgage · FHA Mortgage
FLAGSTAR BANK FSB
Jan 19, 2021Warranty Deed, Transfer · Conventional Mortgage
COMPASS MORTGAGE INC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 24, 2026 · Amount on Record
Deed SaleApr 24, 2026 · Amount on Record
Prior SaleMar 24, 2026 · Amount on Record
Deed Document Number202616783
Record UpdatedSep 20, 2026

April 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKANE IL
Recording DateApr 24, 2026
Property Address521 E SPRING AVE, SOUTH ELGIN, IL 60177-2441
Document Number0000016783
Instrument DateApr 23, 2026
Instrument202616783
Transaction TypeTransfer
Record UpdatedJul 06, 2026
Title CompanyCHICAGO TITLE W, CHICAGO TITLE

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$45,450.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address521 E SPRING AVE, SOUTH ELGIN, IL 60177-2441

Mortgage

Document Number0000016784,
DateApr 24, 2026
Instrument202616784
Lender
NameNEIGHBORHOOD LOANS
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMay 01, 2056
Interest
Rate TypeFixed Rate
Rate6.11%
Initial TypeFixed Rate
Max Rate-1%

Mortgage

Document Number0000016785,
DateApr 24, 2026
Instrument202616785
Lender
NameILLINOIS HOUSING DEV AUTHORITY
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term30 Months
DueMay 01, 2056
Interest
Rate6.11%
Max Rate-1%

March 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKANE IL
Recording DateMar 24, 2026
Property Address521 E SPRING AVE, SOUTH ELGIN, IL 60177-2441
Document Number0000011621
Instrument DateMar 05, 2026
Instrument2026K011621
Transaction TypeTransfer
Record UpdatedApr 01, 2026
Title CompanyBLACKHAWK TITLE SERVICES

Transaction

AmountAmount Recorded
Tax$229.00
Amount AccuracyRounded by County
Additional
  • Lis Pendens
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1862 E BELVIDERE RD # 105, GRAYSLAKE, IL 60030-2289
InvestorPossibly a Property Investor

October 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address521 E SPRING AVE, SOUTH ELGIN, IL 60177-2441
Transaction TypeMortgage
Record UpdatedOct 12, 2022
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address521 E SPRING AVE, SOUTH ELGIN, IL 60177-2441

Mortgage

Document Number0000049220
DateOct 06, 2022
Instrument2022K049220
Lender
NameFLAGSTAR BANK FSB
TypeBank
AddressJACKSONVILLE, FL 32202
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term339 Months
DueJan 01, 2051

January 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKANE IL
Recording DateJan 19, 2021
Property Address521 E SPRING AVE, SOUTH ELGIN, IL 60177-2441
Document Number0000003955
Instrument DateNov 23, 2020
Instrument2021K003955
Transaction TypeTransfer
Record UpdatedAug 05, 2022
Title CompanyLANDTRUST NATIONAL TTL SVCS

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$212.00
Amount AccuracyRounded by County
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address521 E SPRING AVE, SOUTH ELGIN, IL 60177-2441

Mortgage

Document Number0000003956
DateJan 19, 2021
Instrument2021K003956
Lender
NameCOMPASS MORTGAGE INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJan 01, 2051
Interest
Rate TypeFixed Rate
Rate2.25%

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated July 23, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionElgin Township
MunicipalitySouth Elgin Village
Unified School DistrictSchool District U-46 (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$4,977.00 (+2.83%) Homeowner's exemption$75,286 (+8.57%) Land $16,160 Building $59,126$225,948 (+8.57%) Land $48,499 Building $177,449
2024$4,840.00 (+10.03%)$69,343 (+21.39%) Land $14,884 Building $54,459$208,112 (+21.44%) Land $44,670 Building $163,442
2022$4,399.00 (+6.56%) Homeowner's exemption$57,123 (+6.96%) Land $12,261 Building $44,862$171,369 (+6.96%) Land $36,783 Building $134,586
2021$4,128.00 Homeowner's exemption$53,406 Land $11,463 Building $41,943$160,218 Land $34,389 Building $125,829

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170898518013, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 23 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies23 in force
Nearby Flood Claims33 (1978–2020)
Claims Outside the SFHA2 of 33
Most Recent ClaimMay 2020, rainfall accumulation
Claims By Storm
  • Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 5 claims
  • Severe Storms And Flooding, Sep 2008 · 16 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 351 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Metronet HoldingsFiber5,120 / 5,120
XfinityCable2,000 / 250

May also be available at this address: AT&T, Opiquad, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

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