837 Prospect St, Elgin, IL 60120 Property Records

Kane County property record for 837 Prospect St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,658 sqft · built 1922
Lot Size	0.263 acres (11,435 sqft)
Owner	Individual Name on Record
Last Sale	$160,500 (Sep 2014)
Tax Bill	$6,888 (2025)
Deeds & Mortgages	Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-12-158-004`

Property Details

APN / Parcel Number

Primary APN	`06-12-158-004`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,658 sqft Living Area
Gross Area	3,316 sqft
1st Floor Area	1,658 sqft
Basement Area	1,658 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Construction Type	Frame
Lot Area	11,435 sqft (0.263 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	837 PROSPECT ST
City	ELGIN
State	IL
Zip	60120-2919
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CONGDONS ADDN LOT 18 BLOCK 1
Legal Subdivision	CONGDONS ADDN
Legal Block	1
Legal Lot Number	18
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	Individual Name on Record
Mailing Address	837 PROSPECT ST, ELGIN, IL 60120-2919
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 2014 · Amount on Record
Deed Sale	Sep 30, 2014 · Amount on Record
Deed Document Number	201448550
Prior Transfer Date	Nov 30, 1997
Prior Transfer Doc	0000001359
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	837 PROSPECT ST, ELGIN, IL 60120-2919
Document Number	0000034304
Instrument Date	Jun 9, 2020
Transaction Type	Mortgage
Record Updated	Aug 6, 2020
Title Company	MIS BOX

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	837 PROSPECT ST ELGIN IL 601202919, ELGIN, IL 60120-2919

Mortgage

Document Number	0000034304
Date	Jun 29, 2020
Instrument	34304

Lender

Name	CONSUMERS CU
Type	Credit Union
Address	GURNEE, IL 60031-1811

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 28, 2040

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	$6,888.00 (+15.84%) Homeowner's exemption	$98,288 (+8.57%) Land $21,585 Building $76,703	$294,982 (+8.57%) Land $64,781 Building $230,201
2024		$90,529 (+21.39%) Land $19,881 Building $70,648	$271,696 (+21.44%) Land $59,667 Building $212,029
2022	$5,946.00 (+4.59%) Homeowner's exemption	$74,574 (+6.96%) Land $16,377 Building $58,197	$223,722 (+6.96%) Land $49,131 Building $174,591
2021	$5,685.00 Homeowner's exemption	$69,721 Land $15,311 Building $54,410	$209,163 Land $45,933 Building $163,230

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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