731 N Spring St, Elgin, IL 60120 Property Records

Kane County property record for 731 N Spring St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,292 sqft · built 1905
Lot Size	0.225 acres (9,802 sqft)
Owner	2 Individual Names on File
Last Sale	$200,000 (Oct 1998)
Tax Bill	$8,111 (2025)
Deeds & Mortgages	Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-12-301-002`

Property Details

APN / Parcel Number

Primary APN	`06-12-301-002`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,292 sqft Living Area
Gross Area	3,438 sqft
Basement Area	1,146 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Construction Type	Frame
Lot Area	9,802 sqft (0.225 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	731 N SPRING ST
City	ELGIN
State	IL
Zip	60120-3653
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PLEASANT VIEW ADDN LOT 19
Legal Subdivision	PLEASANT VIEW ADDN
Legal Block	2
Legal Lot Number	19
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2018
Census Tract	850800

Owner

Source: Kane County assessment roll, 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	2 Individual Names on File
Mailing Address	731 N SPRING ST, ELGIN, IL 60120-3653
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 1, 1998 · Amount on Record
Deed Sale	Oct 1, 1998 · Amount on Record
Deed Document Number	199889291
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	731 N SPRING ST, ELGIN, IL 60120-3653
Transaction Type	Mortgage
Record Updated	Sep 3, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000065782
Date	Aug 27, 2021
Instrument	2021K065782

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2036

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	$8,111.00 (+15.85%) Homeowner's exemption	$114,323 (+8.57%) Land $20,726 Building $93,597	$343,106 (+8.57%) Land $62,203 Building $280,903
2024		$105,299 (+21.39%) Land $19,090 Building $86,209	$316,023 (+21.44%) Land $57,293 Building $258,730
2022	$7,001.00 (+4.51%) Homeowner's exemption	$86,741 (+6.96%) Land $15,725 Building $71,016	$260,223 (+6.96%) Land $47,175 Building $213,048
2021	$6,699.00 Homeowner's exemption	$81,097 Land $14,702 Building $66,395	$243,291 Land $44,106 Building $199,185

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

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
Radiate Holdings Cable	1,500 / 50
AT&T DSL	100 / 20

May also be available: Verizon.

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