Kane County property record for 840 Prospect St, Elgin, IL 60120
| 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 |
| Primary APN | 06-12-157-019 |
|---|
| 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 |
| 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 |
| Cooling System | HVAC |
|---|
| 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 |
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 |
| Date | Document |
|---|---|
| Aug 06, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Jan 09, 2019 | Warranty Deed, Transfer · Conventional Mortgage PARKSIDE LNDG |
| 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 |
| 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 |
| Name | Verified Name |
|---|
| Document Number | 0000060199 |
|---|---|
| Date | Aug 06, 2021 |
| Instrument | 2021K060199 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jul 01, 2051 |
| Rate | 3.37% |
|---|
| 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 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $330.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 629 N MADISON ST WOODSTOCK IL 600983334, WOODSTOCK, IL 60098-3334 |
| Document Number | 1158 |
|---|---|
| Date | Jan 09, 2019 |
| Instrument | 1158 |
| Name | PARKSIDE LNDG |
|---|---|
| Address | SAN FRANCISCO, CA 94103 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 08, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.87% |
Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
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 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 592 locations within half a mile · 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.
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, 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 |
| 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.
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