625 N Spring St, Elgin, IL 60120 Property Records

Kane County property record for 625 N Spring St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,084 sqft · built 1925
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$195,000 (Feb 2019)
Tax Bill	$7,579 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Jan 2022 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-12-304-006`

Property Details

APN / Parcel Number

Primary APN	`06-12-304-006`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,084 sqft Living Area
Gross Area	2,860 sqft
Basement Area	776 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	625 N SPRING ST
City	ELGIN
State	IL
Zip	60120-3651
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COUNTY CLERKS SUB LOT 200
Legal Subdivision	COUNTY CLERKS SUB
Legal Block	2
Legal Lot Number	200
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2023
Census Tract	850800

Owner

Source: Kane County assessment roll, as of August 25, 2025

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 File
Mailing Address	625 N SPRING ST, ELGIN, IL 60120-3651
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jan 12, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FREEDOM MORTGAGE CORP
Feb 24, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Feb 6, 2019	Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 6, 2019 · Amount on Record
Deed Sale	Feb 6, 2019 · Amount on Record
Prior Sale	Jul 17, 2003 · Amount on Record
Deed Document Number	20194926
Prior Transfer Date	Jun 25, 2003
Prior Transfer Doc	0000119618
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	625 N SPRING ST, ELGIN, IL 60120-3651
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	625 N SPRING ST, ELGIN, IL 60120-3651

Mortgage

Document Number	0000037349
Date	Oct 24, 2023
Instrument	2023K037349

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	317 Months
Due	Mar 1, 2050

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	625 N SPRING ST, ELGIN, IL 60120-3651
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	625 N SPRING ST, ELGIN, IL 60120-3651

Mortgage

Document Number	0000002186
Date	Jan 12, 2022
Instrument	2022K002186

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	DENVER, CO 80249

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Feb 1, 2050

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	625 N SPRING ST, ELGIN, IL 60120-3651
Transaction Type	Mortgage
Record Updated	Aug 5, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009521
Date	Feb 24, 2020
Instrument	2020K009521

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Feb 6, 2019
Property Address	625 N SPRING ST, ELGIN, IL 60120-3651
Document Number	0000004926
Instrument Date	Jan 28, 2019
Instrument	4926
Transaction Type	Transfer
Record Updated	Feb 14, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$292.50
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	625 N SPRING ST ELGIN IL 601203651, ELGIN, IL 60120-3651

Mortgage

Document Number	4927
Date	Feb 6, 2019
Instrument	4927

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 5, 2049

Tax Assessment & Valuation

Source: Kane County assessment roll, as of August 25, 2025

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	$7,579.00 (+15.85%) Homeowner's exemption
2024		$98,872 (+21.39%) Land $18,634 Building $80,238	$296,735 (+21.44%) Land $55,924 Building $240,810
2022	$6,542.00 (+4.54%) Homeowner's exemption	$81,447 (+6.96%) Land $15,350 Building $66,097	$244,341 (+6.96%) Land $46,050 Building $198,291
2021	$6,258.00 Homeowner's exemption	$76,147 Land $14,351 Building $61,796	$228,441 Land $43,053 Building $185,388

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

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
Radiate Holdings 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: Opiquad, T-Mobile USA, Verizon.

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