630 Prospect St, Elgin, IL 60120 Property Records

Kane County property record for 630 Prospect St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,412 sqft · built 1900
Lot Size	0.276 acres (12,010 sqft)
Owner	2 Individual Names on Record
Last Sale	$105,000 (Jul 2012)
Tax Bill	$6,194 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Jun 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`06-12-305-014`

Property Details

APN / Parcel Number

Primary APN	`06-12-305-014`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,412 sqft Living Area
Gross Area	2,118 sqft
Basement Area	706 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Brick
Lot Area	12,010 sqft (0.276 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	630 PROSPECT ST
City	ELGIN
State	IL
Zip	60120-3731
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	M L JOSLYNS ADDN NORTH 60.5 FT EAST 1/2 LOT 13 & ALL OF LOT 12 BLOCK 1
Legal Subdivision	M L JOSLYNS ADDN
Legal Block	1
Legal Lot Number	13,12
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	630 PROSPECT ST, ELGIN, IL 60120-3731
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP
Jun 22, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 5, 2012 · Amount on Record
Deed Sale	Jul 5, 2012 · Amount on Record
Deed Document Number	201243584
Last Transfer Date	Apr 14, 2022
Transfer Doc	0000021854
Record Updated	Sep 20, 2026

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Apr 22, 2022
Property Address	630 PROSPECT ST, ELGIN, IL 60120-3731
Document Number	0000021854
Instrument Date	Apr 14, 2022
Instrument	2022K021854
Transaction Type	Transfer
Record Updated	Apr 28, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	630 PROSPECT ST, ELGIN, IL 60120-3731

Mortgage

Document Number	0000021855
Date	Apr 22, 2022
Instrument	2022K021855

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Fixed Rate
Rate	4.25%

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Jun 22, 2021
Property Address	630 PROSPECT ST, ELGIN, IL 60120-3731
Document Number	0000047843
Instrument Date	May 10, 2021
Instrument	2021K047843
Transaction Type	Transfer
Record Updated	Jul 9, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2555 W SUPERIOR ST, CHICAGO, IL 60612-1108

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	$6,194.00 (+16.78%) Homeowner's exemption	$89,197 (+8.57%) Land $19,847 Building $69,350	$267,698 (+8.57%) Land $59,565 Building $208,133
2024		$82,156 (+21.39%) Land $18,280 Building $63,876	$246,567 (+21.44%) Land $54,862 Building $191,705
2022	$5,304.00 (+4.66%) Homeowner's exemption	$67,678 (+6.96%) Land $15,059 Building $52,619	$203,034 (+6.96%) Land $45,177 Building $157,857
2021	$5,068.00 Homeowner's exemption	$63,274 Land $14,079 Building $49,195	$189,822 Land $42,237 Building $147,585

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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.

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