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638 Prospect St, Elgin, IL 60120 Property Records

Kane County property record for 638 Prospect St, Elgin, IL 60120

Property Summary

Property TypeSingle Family Home
Details7 bd · 2.5 ba · 3,360 sqft · built 1890
Lot Size0.133 acres (5,798 sqft)
Owner2 Individual Names on Record
Tax Bill$7,171 (2025)
Deeds & MortgagesDec 2020 Transfer
Flood ZoneZone X (minimal risk)
APN06-12-305-012

Property Details

APN / Parcel Number

Primary APN06-12-305-012

Interior

Bedrooms7 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms11 Rooms
Stories2 Stories
Building Area3,360 sqft Living Area
Gross Area5,040 sqft
Basement Area1,680 sqft

Exterior

Year BuiltBuilt 1890
Effective Year BuiltEffective 1890
Exterior MaterialBrick
Lot Area5,798 sqft (0.133 acres)
Garage TypeDetached
Parking Spaces2 Parking Spaces

Location & Zoning

Street Address638 PROSPECT ST
CityELGIN
StateIL
Zip60120-3991
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOVELLS SUB THAT PART OF LOVELLS ADDN LYING SOUTH OF LINCOLN AVE EXCEPT SOUTH 50 FT & EAST 1 ROD OF LOT 13 BLOCK 3
Legal SubdivisionLOVELLS SUB
Legal Block2
Legal Lot Number13
JurisdictionKANE IL
Township / Civil DivisionELGIN
Census Block Group2
Census Block2022
Census Tract850800

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 Record2 Individual Names on Record
Mailing Address638 PROSPECT ST, ELGIN, IL 60120-3991
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last Transfer DateDec 10, 2020
Transfer Doc0000080074
Record UpdatedSep 20, 2026

December 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionKANE IL
Recording DateDec 21, 2020
Property Address638 PROSPECT ST, ELGIN, IL 60120-3991
Document Number0000080074
Instrument DateDec 21, 2020
Instrument80074
Transaction TypeTransfer
Record UpdatedDec 30, 2020
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address638 PROSPECT ST ELGIN IL 601203991, ELGIN, IL 60120-3991

Tax Assessment & Valuation

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionElgin Township
MunicipalityElgin City
Unified School DistrictSchool District U-46 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$7,171.00 (+25.63%) Homeowner's exemption Senior Citizen's exemption$109,997 (+8.57%) Land $13,948 Building $96,049$330,123 (+8.57%) Land $41,861 Building $288,262
2024$101,314 (+31.86%) Land $12,847 Building $88,467$304,064 (+31.91%) Land $38,556 Building $265,507
2022$5,708.00 (+5.18%) Homeowner's exemption$76,834 (+6.96%) Land $10,583 Building $66,251$230,502 (+6.96%) Land $31,749 Building $198,753
2021$5,427.00 Homeowner's exemption$71,834 Land $9,894 Building $61,940$215,502 Land $29,682 Building $185,820

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 RiskNot 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 SystemELGIN
serves 114,797 people · EPA ID IL0894380
Water SourceSurface water
Last State InspectionAug 2025
Lead19 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting8
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

ProviderMax 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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