821 N Spring St, Elgin, IL 60120 Property Records

Kane County property record for 821 N Spring St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,468 sqft · built 1900
Lot Size	0.245 acres (10,692 sqft)
Owner	2 Individual Names on File
Last Sale	$125,500 (May 1999)
Tax Bill	$1,959 (2025)
Deeds & Mortgages	Feb 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-12-156-007`

Property Details

APN / Parcel Number

Primary APN	`06-12-156-007`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,468 sqft Living Area
Gross Area	2,378 sqft
Basement Area	910 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	10,692 sqft (0.245 acres)
Lot Dimensions	162 ft deep x 66 ft wide
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	821 N SPRING ST
City	ELGIN
State	IL
Zip	60120-2913
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GROTE & WALDRONS 2ND ADDN LOT 4 BLOCK 1
Legal Subdivision	GROTE&WALDRONS 2ND ADDN
Legal Block	1
Legal Lot Number	4
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2007
Census Tract	850800

Owner

Source: Kane County records · APN 06-12-156-007

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	821 N SPRING ST, ELGIN, IL 60120-2913
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	May 27, 1999 · Amount on Record
Deed Sale	May 27, 1999 · Amount on Record
Deed Document Number	199953080
Last Transfer Date	Jul 22, 2002
Transfer Doc	0000096669
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	821 N SPRING ST, ELGIN, IL 60120-2913
Transaction Type	Mortgage
Record Updated	Feb 08, 2022
Title Company	ACQUEST TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006232
Date	Feb 01, 2022
Instrument	2022K006232

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company
Address	DOWNERS GROVE, IL 60515

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 01, 2052

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	$1,959.00 (-26.38%) Homeowner's exemption Senior Citizen's exemption
2024		$81,331 (+21.39%) Land $19,320 Building $62,011	$244,091 (+21.44%) Land $57,983 Building $186,107
2022	$2,661.00 (-2.78%) Homeowner's exemption	$66,997 (+6.96%) Land $15,915 Building $51,082	$200,991 (+6.96%) Land $47,745 Building $153,246
2021	$2,737.00 Homeowner's exemption	$62,637 Land $14,879 Building $47,758	$187,911 Land $44,637 Building $143,274

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 8, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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.

Based on FCC filings for 592 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ELGIN serves 114,797 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.