Kane County property record for 521 Prospect St, Elgin, IL 60120
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,022 sqft · built 1900 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $5,312 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-12-356-001 |
| Primary APN | 06-12-356-001 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,022 sqft Living Area |
| Gross Area | 3,254 sqft |
| Basement Area | 1,232 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Construction Type | Frame |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Street Address | 521 PROSPECT ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-3728 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | JOHN WAITS SUB BLOCK 27 P J KIMBALL JRS 3RD ADDN LOT 4 BLOCK 27 |
| Legal Subdivision | JOHN WAITS SUB |
| Legal Block | 27 |
| Legal Lot Number | 4 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 851302 |
521 Prospect St is owned and occupied by an individual.
Source: Kane County records, as of August 11, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 521 PROSPECT ST, ELGIN, IL 60120-3728 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 521 Prospect St was $5,312 with exemptions applied.
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,312.00 Homeowner's exemption Senior Citizen's exemption | $85,640 (+8.57%) Land $18,976 Building $66,664 | $257,023 (+8.57%) Land $56,951 Building $200,072 |
| 2024 | $78,880 Land $17,478 Building $61,402 | $236,735 Land $52,455 Building $184,280 | |
| 2022 | $2,375.00 (-41.43%) Homeowner's exemption | $60,381 (+6.96%) Land $14,398 Building $45,983 | $181,143 (+6.96%) Land $43,194 Building $137,949 |
| 2021 | $4,055.00 Homeowner's exemption | $56,452 Land $13,461 Building $42,991 | $169,356 Land $40,383 Building $128,973 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 521 Prospect St in Zone X, an area of minimal flood risk.
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.
The area around 521 Prospect St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
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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