845 Prospect St, Elgin, IL 60120 Property Records

Kane County property record for 845 Prospect St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,494 sqft · built 1908
Lot Size	0.263 acres (11,435 sqft)
Owner	Individual Name on Record
Last Sale	$159,000 (May 2002)
Tax Bill	$5,661 (2025)
Deeds & Mortgages	Jul 2026 Transfer
Flood Zone	Zone X (minimal risk)
APN	`06-12-158-003`

Property Details

APN / Parcel Number

Primary APN	`06-12-158-003`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,494 sqft Living Area
Gross Area	2,344 sqft
Basement Area	850 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1908
Effective Year Built	Effective 1908
Construction Type	Frame
Lot Area	11,435 sqft (0.263 acres)
Lot Dimensions	173 ft deep x 66 ft wide
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	845 PROSPECT ST
City	ELGIN
State	IL
Zip	60120-2919
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CONGDONS ADDN LOT 17 BLOCK 1
Legal Subdivision	CONGDONS ADDN
Legal Block	1
Legal Lot Number	17
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 21, 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	845 PROSPECT ST, ELGIN, IL 60120-2919
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2002 · Amount on Record
Deed Sale	May 28, 2002 · Amount on Record
Prior Sale	Dec 13, 1996 · Amount on Record
Deed Document Number	200267705
Last Transfer Date	Jun 12, 2026
Transfer Doc	0000027741
Record Updated	Sep 20, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Jul 1, 2026
Property Address	845 PROSPECT ST, ELGIN, IL 60120-2919
Document Number	0000027741
Instrument Date	Jun 12, 2026
Instrument	202627741
Transaction Type	Transfer
Record Updated	Jul 10, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	845 PROSPECT ST, ELGIN, IL 60120-2919

Tax Assessment & Valuation

Source: Kane County assessment roll, as of August 25, 2025

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	$5,661.00 (+4.54%) Homeowner's exemption Senior Citizen's exemption
2024		$83,093 (+21.39%) Land $19,881 Building $63,212	$249,379 (+21.44%) Land $59,667 Building $189,712
2022	$5,415.00 (+4.66%) Homeowner's exemption	$68,449 (+6.96%) Land $16,377 Building $52,072	$205,347 (+6.96%) Land $49,131 Building $156,216
2021	$5,174.00 Homeowner's exemption	$63,995 Land $15,311 Building $48,684	$191,985 Land $45,933 Building $146,052

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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