820 N Spring St, Elgin, IL 60120 Property Records

Kane County property record for 820 N Spring St, Elgin, IL 60120 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	1 Baths
Year Built	Built 1900
Square Footage	1,560 sqft Living Area
Lot Size	8,712 sqft (0.2 acres)
Garage	Detached
Occupancy	Owner Occupied
Last Sale	$277,000 (2023)
Tax Bill	$6,419.00 (2025)

Owner

Source: Kane County records · APN 06-12-155-007

Assessment roll updated July 23, 2026 · Last verified August 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	820 N SPRING ST, ELGIN, IL 60120-2914
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2024	Deed of Trust, Mortgage ORIGINPOINT LLC
Oct 13, 2023	Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage ORIGINPOINT LLC
May 03, 2022	Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage MIDFIRST BANK
Sep 17, 2018	Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage CLEARPATH LNDG
Jan 02, 2018	Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 13, 2023 · Amount on Record
Deed Sale	Oct 13, 2023 · Amount on Record
Prior Sale	Jan 02, 2018 · Amount on Record
Deed Doc Number	202335922
Prior Transfer Date	Dec 29, 1998
Prior Transfer Doc	0000004048
Record Refreshed	Sep 20, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	820 N SPRING ST, ELGIN, IL 60120-2914
Transaction Type	Mortgage
Record Updated	Feb 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005154
Date	Feb 16, 2024
Instrument	2024K005154

Lender

Name	ORIGINPOINT LLC
Type	Mortgage Company
Address	ELGIN, IL 60120

Agreement

Amount	Amount Recorded

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 13, 2023
Property Address	820 N SPRING ST, ELGIN, IL 60120-2914
Document Number	0000035922
Instrument Date	Sep 13, 2023
Instrument	2023K035922
Transaction Type	Transfer
Record Updated	Oct 23, 2023
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$277.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	820 N SPRING ST, ELGIN, IL 60120-2914

Mortgage

Document Number	0000035923
Date	Oct 13, 2023
Instrument	2023K035923

Lender

Name	ORIGINPOINT LLC
Type	Mortgage Company

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 01, 2053

Interest

Rate	6.62%

Mortgage

Document Number	0000035924
Date	Oct 13, 2023
Instrument	2023K035924

Lender

Name	ILLINOIS HOUSING DEVELOPMENT AUTHORITY
Type	Government Agency
Address	CHICAGO, IL 60601

Agreement

Type	Stand Alone Second Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Oct 01, 2028

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	820 N SPRING ST, ELGIN, IL 60120-2914
Transaction Type	Mortgage
Record Updated	Aug 05, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	820N N SPRING ST, ELGIN, IL 60120-2914

Mortgage

Document Number	0000023923
Date	May 03, 2022
Instrument	2022K023923

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Apr 01, 2052

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	820 N SPRING ST, ELGIN, IL 60120-2914
Document Number	0000047413
Instrument Date	Sep 17, 2018
Transaction Type	Mortgage
Record Updated	Oct 10, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	820 N SPRING ST ELGIN IL 601202914, ELGIN, IL 60120-2914

Mortgage

Document Number	0000047413
Date	Sep 27, 2018
Instrument	47413

Lender

Name	CLEARPATH LNDG
Address	IRVINE, CA 92618

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Sep 26, 2046

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 02, 2018
Property Address	820 N SPRING ST, ELGIN, IL 60120-2914
Document Number	0000000147
Instrument Date	Dec 28, 2017
Instrument	2018K000147
Transaction Type	Transfer
Record Updated	Aug 05, 2022
Title Company	MEADOWS TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$182.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	820 N SPRING ST, ELGIN, IL 60120-2914

Mortgage

Document Number	0000000148
Date	Jan 02, 2018
Instrument	2018K000148

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2048

Interest

Rate Type	Fixed Rate
Rate	5.12%

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated July 23, 2026 · Last verified August 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	$6,419.00 (+15.82%)	$92,144 (+8.57%) Land $19,743 Building $72,401	$276,543 (+8.57%) Land $59,253 Building $217,290
2024		$84,871 (+21.39%) Land $18,185 Building $66,686	$254,715 (+21.44%) Land $54,577 Building $200,138
2022	$5,542.00 (+4.65%) Homeowner's exemption	$69,914 (+6.96%) Land $14,980 Building $54,934	$209,742 (+6.96%) Land $44,940 Building $164,802
2021	$5,296.00 Homeowner's exemption	$65,364 Land $14,005 Building $51,359	$196,092 Land $42,015 Building $154,077

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
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified: October 2026

Historic District	Within the Spring-Douglas Historic District listed 2000 · 455 contributing resources · NRIS 00000410

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Property Details

APN / Parcel Number

Primary APN	`06-12-155-007`

Interior

Full Baths	1 Baths
Total Rooms	6 Rooms
Building Area	1,560 sqft Living Area
Gross Area	2,340 sqft Gross Area
Basement Area	780 sqft Basement
Stories	2 Stories

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame Construction
Lot Area	8,712 sqft (0.2 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Detached Garage

Utilities and HVAC

Cooling System	HVAC Cooling

Location & Zoning

Street Address	820 N SPRING ST
City	ELGIN
State	IL
Zip	60120-2914
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LOVELLS GROVE ADDN LOT 7 BLOCK 11
Legal Subdivision	LOVELLS GROVE ADDN
Legal Block	11
Legal Lot Number	7
Jurisdiction	KANE IL
Minor Civil Division	ELGIN
Census Blockgroup	2
Census Block	2008
Census Tract	850800

820 N Spring St, Elgin, IL 60120 Property Records

Property Highlights

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

February 2024: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

October 2023: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

Mortgage

Lender

Agreement

May 2022: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

September 2018: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

January 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Historic Designation

Property Details

APN / Parcel Number

Interior

Exterior

Utilities and HVAC

Location & Zoning

Nearby Properties on N Spring St

Nearby Streets

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