Kane County property record for 638 N Spring St, Elgin, IL 60120
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,041 sqft · built 1900 |
| Lot Size | 0.209 acres (9,085 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $360,000 (Oct 2025) |
| Tax Bill | $6,940 (2025) |
| Deeds & Mortgages | Oct 2025 Sale & Mortgage Sep 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-11-431-014 |
| Primary APN | 06-11-431-014 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,041 sqft Living Area |
| Gross Area | 3,164 sqft |
| Basement Area | 1,123 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 9,085 sqft (0.209 acres) |
| Lot Dimensions | 158 ft deep x 58 ft wide |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 638 N SPRING ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-3652 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RENWICKS ADDN SOUTH 7.5 FT LOT 2 7 ALL OF LOTS 3 & 4 |
| Legal Subdivision | RENWICKS ADDN |
| Legal Block | 2 |
| Legal Lot Number | 2,3,4 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 850800 |
Source: Kane County records · APN 06-11-431-014
Assessment roll updated December 26, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 101 OAK LAWN CT, 106, SCHAUMBURG, IL 60195-5123 |
| Owner Type | Individual |
| Vesting | Single |
| Date | Document |
|---|---|
| Oct 17, 2025 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Sep 07, 2022 | Warranty Deed, Transfer · Conventional Mortgage NAVY FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 17, 2025 · Amount on Record |
| Deed Sale | Oct 17, 2025 · Amount on Record |
| Prior Sale | Dec 26, 2024 · Amount on Record |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Oct 17, 2025 |
| Property Address | 638 N SPRING ST, ELGIN, IL 60120-3652 |
| Document Number | 0000040823 |
| Instrument Date | Oct 14, 2025 |
| Instrument | 2025K040823 |
| Transaction Type | Transfer |
| Record Updated | Nov 12, 2025 |
| Title Company | UNKNOWN, STARCK TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $360.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 638 N SPRING ST, ELGIN, IL 60120-3652 |
| Document Number | 0000040824 |
|---|---|
| Date | Oct 17, 2025 |
| Instrument | 2025K040824 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2055 |
| Rate | 6.5% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Sep 07, 2022 |
| Property Address | 638 N SPRING ST, ELGIN, IL 60120-3652 |
| Document Number | 0000044820 |
| Instrument Date | Aug 17, 2022 |
| Instrument | 2022K044820 |
| Transaction Type | Transfer |
| Record Updated | Sep 13, 2022 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $285.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 638 N SPRING ST, ELGIN, IL 60120-3652 |
| Document Number | 0000044821 |
|---|---|
| Date | Sep 07, 2022 |
| Instrument | 2022K044821 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2052 |
| Rate | 6.5% |
|---|
Source: Kane County records · Assessment roll updated December 26, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,940.00 (+4.28%) | ||
| 2024 | $6,655.00 (+11.08%) Homeowner's exemption | $91,167 (+21.39%) Land $16,446 Building $74,721 | $273,610 (+21.44%) Land $49,358 Building $224,253 |
| 2022 | $5,991.00 (+4.59%) Homeowner's exemption | $75,101 (+6.96%) Land $13,548 Building $61,553 | $225,303 (+6.96%) Land $40,644 Building $184,659 |
| 2021 | $5,728.00 Homeowner's exemption | $70,214 Land $12,666 Building $57,548 | $210,642 Land $37,998 Building $172,644 |
Source: FEMA National Flood Hazard Layer as of October 8, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 2026
| Historic District | Within the Spring-Douglas Historic District listed 2000 · 455 contributing resources · NRIS 00000410 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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.
Based on FCC filings for 504 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ELGIN serves 114,797 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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