814 Prospect St, Elgin, IL 60120 Property Records

Kane County property record for 814 Prospect St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	1 ba · 980 sqft · built 1943
Lot Size	0.206 acres (8,976 sqft)
Owner	Individual Name on Record
Tax Bill	$5,698 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Sep 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-12-157-023`

Property Details

APN / Parcel Number

Primary APN	`06-12-157-023`

Interior

Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	980 sqft Living Area
Gross Area	1,960 sqft
1st Floor Area	980 sqft
Basement Area	980 sqft

Exterior

Year Built	Built 1943
Effective Year Built	Effective 1943
Exterior Material	Brick
Lot Area	8,976 sqft (0.206 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	814 PROSPECT ST
City	ELGIN
State	IL
Zip	60120-2920
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CONGDONS ADDN LOT 3 BLOCK 2
Legal Subdivision	CONGDONS ADDN
Legal Block	2
Legal Lot Number	3
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2006
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	814 PROSPECT ST, ELGIN, IL 60120-2920
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2025	Deed of Trust, Mortgage · Conventional Mortgage WINTRUST MORTGAGE
Sep 1, 2022	Deed of Trust, Mortgage · Line of Credit ST CHARLES BANK & TRUST CO NA
Oct 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage WINTRUST MORTGAGE
Oct 19, 2017	Quit Claim Deed, Transfer Quitclaim
Aug 21, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 2, 2017
Transfer Doc	0000054767
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	814 PROSPECT ST, ELGIN, IL 60120-2920
Transaction Type	Mortgage
Record Updated	Oct 13, 2025
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	814 PROSPECT ST, ELGIN, IL 60120-2920
Investor	Possibly a Property Investor

Mortgage

Document Number	0000037984
Date	Sep 30, 2025
Instrument	2025K037984

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2040

Interest

Rate Type	Fixed Rate
Rate	5.5%

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	814 PROSPECT ST, ELGIN, IL 60120-2920
Transaction Type	Mortgage
Record Updated	Sep 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000044163
Date	Sep 1, 2022
Instrument	2022K044163

Lender

Name	ST CHARLES BANK & TRUST CO NA
Type	Bank
Address	SAINT CHARLES, IL 60174

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly
Min Rate At Change	3.99%
Max Rate	20%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	814 PROSPECT ST, ELGIN, IL 60120-2920
Transaction Type	Mortgage
Record Updated	Oct 8, 2021
Title Company	FIDELITY NATIONAL TITLE INSURANCE NY, FIDELITY NATIONAL TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000074432
Date	Oct 1, 2021
Instrument	2021K074432

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2036

Interest

Rate Type	Fixed Rate
Rate	2.87%

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Oct 19, 2017
Property Address	814 PROSPECT ST, ELGIN, IL 60120-2920
Document Number	0000054767
Instrument Date	Oct 4, 2017
Instrument	54767
Transaction Type	Transfer
Record Updated	Nov 20, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	814 PROSPECT ST ELGIN IL 601202920, ELGIN, IL 60120-2920
Investor	Possibly a Property Investor

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Aug 21, 2017
Property Address	814 PROSPECT ST, ELGIN, IL 60120-2920
Document Number	0000043608
Instrument Date	Aug 5, 2017
Instrument	43608
Transaction Type	Transfer
Record Updated	Sep 25, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	814 PROSPECT ST ELGIN IL 601202920, ELGIN, IL 60120-2920

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	$5,698.00 (+15.84%) Homeowner's exemption	$82,688 (+8.57%) Land $19,743 Building $62,945	$248,163 (+8.57%) Land $59,253 Building $188,911
2024		$76,161 (+21.39%) Land $18,185 Building $57,976	$228,574 (+21.44%) Land $54,577 Building $173,998
2022	$4,919.00 (+4.73%) Homeowner's exemption	$62,739 (+6.96%) Land $14,980 Building $47,759	$188,217 (+6.96%) Land $44,940 Building $143,277
2021	$4,697.00 Homeowner's exemption	$58,656 Land $14,005 Building $44,651	$175,968 Land $42,015 Building $133,953

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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