840 Prospect St, Elgin, IL 60120 Property Records

Kane County property record for 840 Prospect St, Elgin, IL 60120 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,204 sqft · built 1900
Lot Size	0.193 acres (8,418 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Jan 2019)
Tax Bill	$7,324 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-12-157-019`

Property Details

APN / Parcel Number

Primary APN	`06-12-157-019`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,204 sqft Living Area
Gross Area	2,932 sqft
Basement Area	728 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	8,418 sqft (0.193 acres)
Lot Dimensions	138 ft deep x 61 ft wide
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	840 PROSPECT ST
City	ELGIN
State	IL
Zip	60120-2920
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CONGDONS ADDN SOUTH 11 FT OF LOT 8 & NORTH 49.5 FT LOT 7 BLOCK 2
Legal Subdivision	CONGDONS ADDN
Legal Block	2
Legal Lot Number	8,7
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2006
Census Tract	850800

Owner

Source: Kane County records · APN 06-12-157-019

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	Individual Name on File
Mailing Address	840 PROSPECT ST, ELGIN, IL 60120-2920
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 06, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Jan 09, 2019	Warranty Deed, Transfer · Conventional Mortgage PARKSIDE LNDG

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 09, 2019 · Amount on Record
Deed Sale	Jan 09, 2019 · Amount on Record
Deed Document Number	20191157
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	840 PROSPECT ST, ELGIN, IL 60120-2920
Transaction Type	Mortgage
Record Updated	Aug 16, 2021
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000060199
Date	Aug 06, 2021
Instrument	2021K060199

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 01, 2051

Interest

Rate	3.37%

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 09, 2019
Property Address	840 PROSPECT ST, ELGIN, IL 60120-2920
Document Number	0000001157
Instrument Date	Dec 20, 2018
Instrument	1157
Transaction Type	Transfer
Record Updated	Jan 21, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$330.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	629 N MADISON ST WOODSTOCK IL 600983334, WOODSTOCK, IL 60098-3334

Mortgage

Document Number	1158
Date	Jan 09, 2019
Instrument	1158

Lender

Name	PARKSIDE LNDG
Address	SAN FRANCISCO, CA 94103

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 08, 2049

Interest

Rate Type	Fixed Rate
Rate	4.87%

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	$7,324.00 (+6.95%) Homeowner's exemption
2024		$103,164 (+21.4%) Land $16,584 Building $86,580	$309,616 (+21.44%) Land $49,772 Building $259,844
2022	$6,848.00 (+4.5%) Homeowner's exemption	$84,982 (+6.96%) Land $13,661 Building $71,321	$254,946 (+6.96%) Land $40,983 Building $213,963
2021	$6,553.00 Homeowner's exemption	$79,452 Land $12,772 Building $66,680	$238,356 Land $38,316 Building $200,040

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

Nearby Properties on Prospect St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures