727 Prospect St, Elgin, IL 60120 Property Records

Kane County property record for 727 Prospect St, Elgin, IL 60120 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	5 bd · 1.5 ba · 1,968 sqft · built 1929
Lot Size	0.241 acres (10,500 sqft)
Owner	2 Individual Names on File
Last Sale	$210,000 (May 2018)
Tax Bill	$7,733 (2025)
Deeds & Mortgages	Dec 2020 Mortgage May 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-12-303-024`

Property Details

APN / Parcel Number

Primary APN	`06-12-303-024`

Interior

Bedrooms	5 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	5 Stories
Building Area	1,968 sqft Living Area
Gross Area	3,351 sqft
Basement Area	1,383 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Exterior Material	Brick
Lot Area	10,500 sqft (0.241 acres)
Lot Dimensions	175 ft deep x 60 ft wide
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	727 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 14 & THE WEST 1/2 VACATED PUBLIC ALLEY ADJ
Legal Subdivision	VINCENT S LOVELL ADDN
Legal Block	4
Legal Lot Number	14
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2020
Census Tract	850800

Owner

Source: Kane County records · APN 06-12-303-024

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	727 PROSPECT ST, ELGIN, IL 60120-3732
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage PACOR MORTGAGE CORP
May 03, 2018	Warranty Deed, Transfer · FHA Mortgage PACOR MORTGAGE CORP
Nov 30, 2017	Trustee's Deed, Transfer Foreclosure Auction

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 03, 2018 · Amount on Record
Deed Sale	May 03, 2018 · Amount on Record
Prior Sale	Nov 30, 2017 · Amount on Record
Deed Document Number	201820202
Prior Transfer Date	May 31, 2001
Prior Transfer Doc	0000054573
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	727 PROSPECT ST, ELGIN, IL 60120-3732
Transaction Type	Mortgage
Record Updated	Aug 05, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000081757
Date	Dec 29, 2020
Instrument	2020K081757

Lender

Name	PACOR MORTGAGE CORP
Type	Mortgage Company
Address	OAK FOREST, IL 60452

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2051

Interest

Rate Type	Fixed Rate
Rate	3.12%

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 03, 2018
Property Address	727 PROSPECT ST, ELGIN, IL 60120-3732
Document Number	0000020202
Instrument Date	Apr 26, 2018
Instrument	2018K020202
Transaction Type	Transfer
Record Updated	Aug 05, 2022
Title Company	WHEATLAND TITLE GUARANTY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$210.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	558 N MCLEAN BLVD, 558, ELGIN, IL 60123-3242

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 LINCOLN DR, HOFFMAN ESTATES, IL 60169-3331

Mortgage

Document Number	0000020203
Date	May 03, 2018
Instrument	2018K020203

Lender

Name	PACOR MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2048

November 2017: Trustee's Deed, Transfer

Document Type	Trustee's Deed
Jurisdiction	KANE IL
Recording Date	Nov 30, 2017
Property Address	727 PROSPECT ST, ELGIN, IL 60120-3732
Document Number	0000062373
Instrument Date	Oct 16, 2017
Instrument	62373
Transaction Type	Transfer
Record Updated	Jan 03, 2018

Transaction

Amount	Amount Recorded
Tax	$150.00
Additional	Foreclosure Auction Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	558 N MCLEAN BLVD ELGIN IL 601233242, ELGIN, IL 60123-3242
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 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

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	$7,733.00 (+15.85%) Homeowner's exemption
2024		$100,734 (+21.4%) Land $18,750 Building $81,984	$302,323 (+21.44%) Land $56,273 Building $246,050
2022	$6,675.00 (+4.53%) Homeowner's exemption	$82,980 (+6.96%) Land $15,445 Building $67,535	$248,940 (+6.96%) Land $46,335 Building $202,605
2021	$6,386.00 Homeowner's exemption	$77,580 Land $14,440 Building $63,140	$232,740 Land $43,320 Building $189,420

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 592 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Radiate Holdings	Cable	1,500 / 50
AT&T	DSL	100 / 20

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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