Kane County property record for 636 Prospect St, Elgin, IL 60120
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 948 sqft · built 1920 |
| Lot Size | 0.208 acres (9,075 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,029 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-12-305-013 |
| Primary APN | 06-12-305-013 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 948 sqft Living Area |
| Gross Area | 1,896 sqft |
| 1st Floor Area | 948 sqft |
| Basement Area | 948 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Construction Type | Frame |
| Lot Area | 9,075 sqft (0.208 acres) |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|
| Street Address | 636 PROSPECT ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-3731 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOVELLS SUB THAT PART OF LOVELLS ADDN LYING SOUTH OF LINCOLN AVE SOUTH 50 FT EXCEPT EAST 1 ROD LOT 13 BLOCK 3 |
| Legal Subdivision | LOVELLS SUB |
| Legal Block | 2 |
| Legal Lot Number | 13 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 850800 |
636 Prospect St is owned and occupied by an individual who acquired it in April 2005.
Source: Kane County records, as of July 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 636 PROSPECT ST, ELGIN, IL 60120-3731 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
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 |
|---|---|
| Last Transfer Date | Apr 26, 2005 |
| Transfer Doc | 0000048831 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 636 Prospect St was $1,029 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 | $1,029.00 Homeowner's exemption Senior Citizen's exemption | $66,266 (+8.57%) Land $17,488 Building $48,778 | $198,878 (+8.57%) Land $52,485 Building $146,393 |
| 2024 | $61,036 Land $16,108 Building $44,928 | $183,181 Land $48,343 Building $134,838 | |
| 2022 | $3,405.00 (+6.01%) Homeowner's exemption | $50,279 (+6.96%) Land $13,269 Building $37,010 | $150,837 (+6.96%) Land $39,807 Building $111,030 |
| 2021 | $3,212.00 Homeowner's exemption | $47,008 Land $12,406 Building $34,602 | $141,024 Land $37,218 Building $103,806 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 636 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 636 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 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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