810 Prospect St, Elgin, IL 60120 Property Records

Kane County property record for 810 Prospect St, Elgin, IL 60120 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,764 sqft · built 1900
Lot Size	0.206 acres (8,976 sqft)
Owner	2 Individual Names on File
Last Sale	$210,000 (Oct 2022)
Tax Bill	$6,577 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-12-157-024`

Property Details

APN / Parcel Number

Primary APN	`06-12-157-024`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	5 Stories
Building Area	1,764 sqft Living Area
Gross Area	2,987 sqft
Basement Area	1,223 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	8,976 sqft (0.206 acres)
Lot Dimensions	136 ft deep x 66 ft wide

Utilities, Heating & Cooling

Cooling System	None
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	810 PROSPECT ST
City	ELGIN
State	IL
Zip	60120-2961
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CONGDONS ADDN LOT 2 BLOCK 2
Legal Subdivision	CONGDONS ADDN
Legal Block	2
Legal Lot Number	2
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2006
Census Tract	850800

Owner

Source: Kane County records · APN 06-12-157-024

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	810 PROSPECT ST, ELGIN, IL 60120-2961
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 20, 2022 · Amount on Record
Deed Sale	Oct 20, 2022 · Amount on Record
Deed Document Number	202251331
Record Updated	Sep 20, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 20, 2022
Property Address	810 PROSPECT ST, ELGIN, IL 60120-2961
Document Number	0000051331
Instrument Date	Oct 14, 2022
Instrument	2022K051331
Transaction Type	Transfer
Record Updated	Oct 26, 2022
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	810 PROSPECT ST, ELGIN, IL 60120-2961
Investor	Possibly a Property Investor

Mortgage

Document Number	0000051332
Date	Oct 20, 2022
Instrument	2022K051332

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2052

Interest

Rate	6.5%
Change Frequency	10 Years

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	$6,577.00 (+15.85%) Homeowner's exemption
2024		$86,774 (+21.39%) Land $18,185 Building $68,589	$260,426 (+21.44%) Land $54,577 Building $205,849
2022	$5,677.00 (+4.63%) Homeowner's exemption	$71,481 (+6.96%) Land $14,980 Building $56,501	$214,443 (+6.96%) Land $44,940 Building $169,503
2021	$5,426.00 Homeowner's exemption	$66,829 Land $14,005 Building $52,824	$200,487 Land $42,015 Building $158,472

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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