602 Prospect St, Elgin, IL 60120 Property Records

Kane County property record for 602 Prospect St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 2,424 sqft · built 1900
Lot Size	0.367 acres (15,972 sqft)
Owner	2 Individual Names on Record
Last Sale	$460,000 (Jan 2026)
Tax Bill	$9,542 (2025)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Jan 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-12-305-020`

Property Details

APN / Parcel Number

Primary APN	`06-12-305-020`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,424 sqft Living Area
Gross Area	3,786 sqft
Basement Area	1,362 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	15,972 sqft (0.367 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	602 PROSPECT ST
City	ELGIN
State	IL
Zip	60120-3731
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	M L JOSLYNS ADDN LOTS 7 & 8 BLOCK 1
Legal Subdivision	M L JOSLYNS ADDN
Legal Block	1
Legal Lot Number	7,8
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2022
Census Tract	850800

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	2 Individual Names on Record
Mailing Address	602 PROSPECT ST, ELGIN, IL 60120-3731
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2026	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 30, 2024	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Jan 2, 2024	Executor's Deed, Transfer · Commercial Mortgage REPUBLIC BANK OF CHICAGO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 22, 2026 · Amount on Record
Deed Sale	Jan 22, 2026 · Amount on Record
Prior Sale	Jan 30, 2024 · Amount on Record
Deed Document Number	20263050
Record Updated	Oct 29, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 22, 2026
Property Address	602 PROSPECT ST, ELGIN, IL 60120-3731
Document Number	0000003050
Instrument Date	Jan 16, 2026
Instrument	2026K003050
Transaction Type	Transfer
Record Updated	Jan 29, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$460.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	602 PROSPECT ST, ELGIN, IL 60120-3731

Mortgage

Document Number	0000003051
Date	Jan 22, 2026
Instrument	2026K003051

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

Interest

Rate	7.25%

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 30, 2024
Property Address	602 PROSPECT ST, ELGIN, IL 60120-3731
Document Number	0000003105
Instrument Date	Jan 22, 2024
Instrument	2024K003105
Transaction Type	Transfer
Record Updated	Feb 6, 2024
Title Company	NOT AVAILABLE, CT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$260.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	36W995 RED GATE RD, SAINT CHARLES, IL 60175-6223

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1409 CENTURY OAKS DR, ELGIN, IL 60123-1326

Mortgage

Document Number	0000003106
Date	Jan 30, 2024
Instrument	2024K003106

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

January 2024: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	KANE IL
Recording Date	Jan 2, 2024
Property Address	602 PROSPECT ST, ELGIN, IL 60120-3731
Document Number	0000000083
Instrument Date	Dec 29, 2023
Instrument	2024K000083
Transaction Type	Transfer
Record Updated	Jan 9, 2024

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$162.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	36W995 RED GATE RD, SAINT CHARLES, IL 60175-6223

Mortgage

Document Number	0000000084
Date	Jan 2, 2024
Instrument	2024K000084

Lender

Name	REPUBLIC BANK OF CHICAGO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	0 Months
Due	Jan 29, 2024

Interest

Rate Type	Adjustable Rate

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	$9,542.00 (+3.95%)	$125,079 (+9.05%) Land $27,140 Building $97,939	$375,387 (+9.05%) Land $81,453 Building $293,935
2024	$9,179.00 (+26.8%)	$114,702 (+21.39%) Land $24,998 Building $89,704	$344,244 (+21.44%) Land $75,024 Building $269,220
2022	$7,239.00 (+202.38%) Homeowner's exemption	$94,488 (+6.96%) Land $20,593 Building $73,895	$283,464 (+6.96%) Land $61,779 Building $221,685
2021	$2,394.00 Homeowner's exemption	$88,340 Land $19,253 Building $69,087	$265,020 Land $57,759 Building $207,261

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 592 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
AT&T DSL	100 / 20

May also be available: Verizon.

Nearby Properties on Prospect St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures