648 N Spring St, #52, Elgin, IL 60120 Property Records

Kane County property record for 648 N Spring St, #52, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,670 sqft · built 1903
Lot Size	0.194 acres (8,439 sqft)
Owner	Company Name on Record
Last Sale	$185,000 (Sep 2019)
Tax Bill	$6,598 (2025)
Deeds & Mortgages	Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-11-431-013`

Property Details

APN / Parcel Number

Primary APN	`06-11-431-013`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,670 sqft Living Area
Gross Area	4,005 sqft
Basement Area	1,335 sqft

Exterior

Year Built	Built 1903
Effective Year Built	Effective 1903
Construction Type	Frame
Lot Area	8,439 sqft (0.194 acres)

Location & Zoning

Street Address	648 N SPRING ST, 52
City	ELGIN
State	IL
Zip	60120-3652
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RENWICKS ADDN NORTH 17.5 FT EXCEPT WEST 65 FT OF LOT 2 & EXCEPT WEST 65 FT OF LOT 1
Legal Subdivision	RENWICKS ADDN
Legal Block	2
Legal Lot Number	2,1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2024
Census Tract	850800

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 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.

Owner

Source: Kane County records, as of July 31, 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	Company Name on Record
Mailing Address	111 DOUGLAS AVE, ELGIN, IL 60120-5503
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 6, 2019 · Amount on Record
Deed Sale	Sep 6, 2019 · Amount on Record
Deed Document Number	201941119
Record Updated	Oct 29, 2026

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 6, 2019
Property Address	648 N SPRING ST # 52, 52, ELGIN, IL 60120-3652
Document Number	0000041119
Instrument Date	Aug 13, 2019
Instrument	2019K041119
Transaction Type	Transfer
Record Updated	Sep 21, 2022
Title Company	PROPER TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$185.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	208 LOVELL ST, 208, ELGIN, IL 60120-3705

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	648 N SPRING ST # 652, 652, ELGIN, IL 60120-3652

Mortgage

Document Number	0000041120
Date	Sep 6, 2019
Instrument	2019K041120

Lender

Name	AMERICAN COMMUNITY BANK & TRUST
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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	$6,598.00 (+15.96%)	$86,491 (+8.57%) Land $18,881 Building $67,610	$259,577 (+8.57%) Land $56,666 Building $202,911
2024		$79,664 (+21.39%) Land $17,391 Building $62,273	$239,088 (+21.44%) Land $52,194 Building $186,894
2022	$5,690.00 (+3.96%)	$65,624 (+6.96%) Land $14,326 Building $51,298	$196,872 (+6.96%) Land $42,978 Building $153,894
2021	$5,473.00	$61,354 Land $13,394 Building $47,960	$184,062 Land $40,182 Building $143,880

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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