637 Prospect St, Elgin, IL 60120 Property Records

Kane County property record for 637 Prospect St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,332 sqft · built 1884
Lot Size	0.282 acres (12,281 sqft)
Owner	2 Individual Names on Record
Last Sale	$385,000 (Apr 2022)
Tax Bill	$7,446 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-12-306-002`

Property Details

APN / Parcel Number

Primary APN	`06-12-306-002`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,332 sqft Living Area
Gross Area	3,498 sqft
Basement Area	1,166 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1884
Effective Year Built	Effective 1884
Architectural Style	Victorian
Construction Type	Frame
Lot Area	12,281 sqft (0.282 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Water Source	Commercial

Location & Zoning

Street Address	637 PROSPECT ST
City	ELGIN
State	IL
Zip	60120-3730
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOVELLS SUB THAT PART OF LOVELLS ADDN LYING SOUTH OF LINCOLN AVE WEST 3/4 LOT 14 SOUTH 30 FT WEST 1/2 LOT 7 & SOUTH 33 FT LOT 8 BLOCK 3
Legal Subdivision	LOVELLS SUB
Legal Block	2
Legal Lot Number	14
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2021
Census Tract	850800

Owner

Source: Kane County records, as of July 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	637 PROSPECT ST, ELGIN, IL 60120-3730
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 13, 2022 · Amount on Record
Deed Sale	Apr 13, 2022 · Amount on Record
Deed Document Number	20226
Prior Transfer Date	Sep 4, 1998
Prior Transfer Doc	0000089625
Record Updated	Oct 29, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 13, 2022
Property Address	637 PROSPECT ST, ELGIN, IL 60120-3730
Document Number	0000020226
Instrument Date	Apr 7, 2022
Instrument	2022K020226
Transaction Type	Transfer
Record Updated	Apr 19, 2022
Title Company	FIDELITY NATIONAL TITLE INSURANCE NY, FIDELITY NATIONAL TITLE INS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$385.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	637 PROSPECT ST, ELGIN, IL 60120-3730

Mortgage

Document Number	0000020227
Date	Apr 13, 2022
Instrument	2022K020227

Lender

Name	GUARANTEED RATE INC
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%

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	$7,446.00 (+15.85%) Homeowner's exemption	$105,608 (+8.57%) Land $23,543 Building $82,065	$316,951 (+8.57%) Land $70,657 Building $246,294
2024		$97,272 (+21.39%) Land $21,685 Building $75,587	$291,933 (+21.44%) Land $65,081 Building $226,852
2022	$6,427.00 (+4.54%) Homeowner's exemption	$80,130 (+6.96%) Land $17,864 Building $62,266	$240,390 (+6.96%) Land $53,592 Building $186,798
2021	$6,148.00 Homeowner's exemption	$74,916 Land $16,702 Building $58,214	$224,748 Land $50,106 Building $174,642

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.

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