850 Prospect St, Elgin, IL 60120 Property Records

Kane County property record for 850 Prospect St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,795 sqft · built 1900
Lot Size	0.136 acres (5,940 sqft)
Owner	Individual Name on Record
Last Sale	$165,000 (Sep 2020)
Tax Bill	$5,144 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-12-157-017`

Property Details

APN / Parcel Number

Primary APN	`06-12-157-017`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,795 sqft Living Area
Gross Area	2,875 sqft
Basement Area	1,080 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	5,940 sqft (0.136 acres)
Lot Dimensions	90 ft deep x 66 ft wide
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	850 PROSPECT ST
City	ELGIN
State	IL
Zip	60120-2948
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CONGDONS ADD - EX W 50 FT LOT 9 BLK 2
Legal Subdivision	CONGDONS ADD
Legal Block	2
Legal Lot Number	9
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2006
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	850 PROSPECT ST, ELGIN, IL 60120-2948
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 14, 2020 · Amount on Record
Deed Sale	Sep 14, 2020 · Amount on Record
Deed Document Number	202052617
Prior Transfer Date	Sep 2, 2020
Prior Transfer Doc	0000052617
Record Updated	Sep 20, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 14, 2020
Property Address	850 PROSPECT ST, ELGIN, IL 60120-2948
Document Number	0000052617
Instrument Date	Sep 2, 2020
Instrument	2020K052617
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	HERITAGE TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$165.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	850 PROSPECT ST, 850, ELGIN, IL 60120-2948

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	850 PROSPECT ST, ELGIN, IL 60120-2948

Mortgage

Document Number	0000052618
Date	Sep 14, 2020
Instrument	2020K052618

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.12%

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	$5,144.00 (+25.89%) Homeowner's exemption
2024		$69,473 (+30.77%) Land $14,655 Building $54,818	$208,502 (+30.82%) Land $43,983 Building $164,520
2022	$4,086.00 (+4.9%) Homeowner's exemption	$53,125 (+6.96%) Land $12,073 Building $41,052	$159,375 (+6.96%) Land $36,219 Building $123,156
2021	$3,895.00 Homeowner's exemption	$49,668 Land $11,287 Building $38,381	$149,004 Land $33,861 Building $115,143

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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