Kane County property record for 649 N Spring St, Elgin, IL 60120 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1950 |
| Square Footage | 1,902 sqft Living Area |
| Lot Size | 7,062 sqft (0.162 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $257,000 (2021) |
| Tax Bill | $7,895.00 (2025) |
| Primary APN | 06-12-304-001 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Baths |
| Total Rooms | 7 Rooms |
| Building Area | 1,902 sqft Living Area |
| Gross Area | 3,170 sqft Gross Area |
| Basement Area | 1,268 sqft Basement |
| Stories | 5 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Bungalow Style |
| Exterior Material | Brick Exterior |
| Lot Area | 7,062 sqft (0.162 acres) |
| Depth X Width | 132 ft x 54 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Cooling System | HVAC Cooling |
|---|---|
| Water Source | Commercial Water Source |
| Street Address | 649 N SPRING ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-3651 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | WETMORES SUB LOT 4 |
| Legal Subdivision | WETMORES SUB |
| Legal Block | 2 |
| Legal Lot Number | 4 |
| Jurisdiction | KANE IL |
| Minor Civil Division | ELGIN |
| Census Blockgroup | 2 |
| Census Block | 2023 |
| Census Tract | 850800 |
Source: Kane County records · APN 06-12-304-001
Assessment roll updated August 25, 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 | 649 N SPRING ST, ELGIN, IL 60120-3651 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Tenant By Entirety |
| Date | Document |
|---|---|
| May 20, 2021 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP |
| Aug 11, 2017 | Deed of Trust, Mortgage · Veterans Administration Mortgage BBMC MORTGAGE LLC |
| Jan 19, 2021 | Deed of Trust, Mortgage · Veterans Administration Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 20, 2021 · Amount on Record |
| Deed Sale | May 20, 2021 · Amount on Record |
| Prior Sale | Apr 17, 2013 · Amount on Record |
| Deed Doc Number | 202139260 |
| Prior Transfer Date | Sep 28, 2011 |
| Prior Transfer Doc | 0000047121 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | May 20, 2021 |
| Property Address | 649 N SPRING ST, ELGIN, IL 60120-3651 |
| Document Number | 0000039260 |
| Instrument Date | May 14, 2021 |
| Instrument | 2021K039260 |
| Transaction Type | Transfer |
| Record Updated | Jun 03, 2021 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $257.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 649 N SPRING ST, ELGIN, IL 60120-3651 |
| Document Number | 0000039261 |
|---|---|
| Date | May 20, 2021 |
| Instrument | 2021K039261 |
| Name | AMERICAN PACIFIC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 649 N SPRING ST, ELGIN, IL 60120-3651 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000041964 |
|---|---|
| Date | Aug 11, 2017 |
| Instrument | 2017K041964 |
| Name | BBMC MORTGAGE LLC |
|---|---|
| Type | Government Agency |
| Address | LOMBARD, IL 60148 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4% |
| Type Change Date | Sep 01, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 649 N SPRING ST, ELGIN, IL 60120-3651 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000004237 |
|---|---|
| Date | Jan 19, 2021 |
| Instrument | 2021K004237 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 322 Months |
| Due | Nov 01, 2047 |
| Rate | 2.87% |
|---|
Source: Kane County records · Assessment roll updated August 25, 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 | $7,895.00 (+15.85%) Homeowner's exemption | ||
| 2024 | $102,697 (+21.39%) Land $15,224 Building $87,473 | $308,214 (+21.44%) Land $45,690 Building $262,524 | |
| 2022 | $6,815.00 (+4.51%) Homeowner's exemption | $84,598 (+6.96%) Land $12,541 Building $72,057 | $253,794 (+6.96%) Land $37,623 Building $216,171 |
| 2021 | $6,521.00 Homeowner's exemption | $79,093 Land $11,725 Building $67,368 | $237,279 Land $35,175 Building $202,104 |
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