808 Saint John St, Elgin, IL 60120 Property Records

Kane County property record for 808 Saint John St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,804 sqft · built 1900
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on Record
Last Sale	$183,000 (Dec 2018)
Tax Bill	$7,190 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-12-158-022`

Property Details

APN / Parcel Number

Primary APN	`06-12-158-022`

Interior

Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,804 sqft Living Area
Gross Area	2,788 sqft
Basement Area	984 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Foundation Type	Raised
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	808 SAINT JOHN ST
City	ELGIN
State	IL
Zip	60120-2936
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CONGDONS ADDN NORTH 1/2 LOTS 4 & 5 BLOCK 1
Legal Subdivision	CONGDONS ADDN
Legal Block	1
Legal Lot Number	4,5
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2005
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	2 Individual Names on Record
Mailing Address	808 SAINT JOHN ST, ELGIN, IL 60120-2936
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2026	Deed of Trust, Mortgage · Conventional Mortgage US MORTGAGE FUNDING INC
Mar 19, 2021	Deed of Trust, Mortgage · FHA Mortgage FIRST GUARANTY MORTGAGE CORP
Sep 16, 2019	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Dec 5, 2018	Warranty Deed, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2018 · Amount on Record
Deed Sale	Dec 5, 2018 · Amount on Record
Deed Document Number	201858533
Last Transfer Date	Aug 19, 2025
Transfer Doc	0000033083
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	808 SAINT JOHN ST, ELGIN, IL 60120-2936
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	808 SAINT JOHN ST, ELGIN, IL 60120-2936

Mortgage

Document Number	0000008642
Date	Mar 4, 2026
Instrument	2026K008642

Lender

Name	US MORTGAGE FUNDING INC
Type	Mortgage Company
Address	OAK BROOK, IL 60523

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.99%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	808 SAINT JOHN ST, ELGIN, IL 60120-2936
Transaction Type	Mortgage
Record Updated	Apr 5, 2021
Title Company	CARRINGTON TITLE PARTNERS LLC, CARRINGTON TTL PARTNERS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021935
Date	Mar 19, 2021
Instrument	2021K021935

Lender

Name	FIRST GUARANTY MORTGAGE CORP
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Feb 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.62%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	808 SAINT JOHN ST, ELGIN, IL 60120-2936
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CARRINGTON TTL PARTNERS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000042989
Date	Sep 16, 2019
Instrument	2019K042989

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2049

Interest

Rate	3.75%

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Dec 5, 2018
Property Address	808 SAINT JOHN ST, ELGIN, IL 60120-2936
Document Number	0000058533
Instrument Date	Nov 27, 2018
Instrument	2018K058533
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	SNP TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$183.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	808 SAINT JOHN ST, ELGIN, IL 60120-2936

Mortgage

Document Number	0000058534
Date	Dec 5, 2018
Instrument	2018K058534

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2048

Interest

Rate	4.87%

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	$7,190.00 (+15.84%) Homeowner's exemption	$102,255 (+8.57%) Land $19,743 Building $82,512	$306,888 (+8.57%) Land $59,253 Building $247,635
2024		$94,184 (+21.39%) Land $18,185 Building $75,999	$282,665 (+21.44%) Land $54,577 Building $228,088
2022	$6,207.00 (+4.57%) Homeowner's exemption	$77,585 (+6.96%) Land $14,980 Building $62,605	$232,755 (+6.96%) Land $44,940 Building $187,815
2021	$5,936.00 Homeowner's exemption	$72,536 Land $14,005 Building $58,531	$217,608 Land $42,015 Building $175,593

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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