717 Prospect St, Elgin, IL 60120 Property Records

Kane County property record for 717 Prospect St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,700 sqft · built 1900
Lot Size	0.23 acres (10,030 sqft)
Owner	Individual Name on Record
Last Sale	$230,000 (Sep 2017)
Tax Bill	$7,005 (2025)
Deeds & Mortgages	Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-12-303-026`

Property Details

APN / Parcel Number

Primary APN	`06-12-303-026`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,700 sqft Living Area
Gross Area	2,550 sqft
Basement Area	850 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	10,030 sqft (0.23 acres)

Location & Zoning

Street Address	717 PROSPECT ST
City	ELGIN
State	IL
Zip	60120-3732
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VINCENT S LOVELL ADDN BLOCK 4 LOT 12 & THE NORTH 1/2 & WEST 1/2 VACATED PUBLIC ALLEY ADJ
Legal Subdivision	VINCENT S LOVELL ADDN
Legal Block	4
Legal Lot Number	12
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2020
Census Tract	850800

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	717 PROSPECT ST, ELGIN, IL 60120-3732
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 26, 2017 · Amount on Record
Deed Sale	Sep 26, 2017 · Amount on Record
Prior Sale	Oct 26, 2016 · Amount on Record
Deed Document Number	201750628
Record Updated	Oct 29, 2026

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KANE IL
Recording Date	Sep 26, 2017
Property Address	717 PROSPECT ST, ELGIN, IL 60120-3732
Document Number	0000050628
Instrument Date	Sep 11, 2017
Instrument	50628
Transaction Type	Transfer
Record Updated	Oct 23, 2017
Title Company	WHEATLAND TITLE, WHEATLAND TITLE GUARANTY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$345.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	717 PROSPECT ST ELGIN IL 601203732, ELGIN, IL 60120-3732

Mortgage

Document Number	50629
Date	Sep 26, 2017
Instrument	50629

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 25, 2047

Interest

Rate Type	Fixed Rate
Rate	3.99%

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	$7,005.00 (+14.09%) Homeowner's exemption Senior Citizen's exemption	$111,319 (+8.57%) Land $19,743 Building $91,576	$334,091 (+8.57%) Land $59,253 Building $274,838
2024		$102,532 (+25.33%) Land $18,185 Building $84,347	$307,719 (+25.38%) Land $54,577 Building $253,142
2022	$6,140.00 (+5.1%) Homeowner's exemption	$81,810 (+6.96%) Land $14,980 Building $66,830	$245,430 (+6.96%) Land $44,940 Building $200,490
2021	$5,842.00 Homeowner's exemption	$76,486 Land $14,005 Building $62,481	$229,458 Land $42,015 Building $187,443

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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