851 Brook St, Elgin, IL 60120 Property Records

Kane County property record for 851 Brook St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Lot Size	0.196 acres (8,556 sqft)
Owner	2 Individual Names on Record
Last Sale	$320,000 (Mar 2020)
Tax Bill	$8,999 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-11-284-020`

Property Details

APN / Parcel Number

Primary APN	`06-11-284-020`

Exterior

Lot Area	8,556 sqft (0.196 acres)

Location & Zoning

Street Address	851 BROOK ST
City	ELGIN
State	IL
Zip	60120-2901
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOVELLS GROVE ADDN LOT 19 & 20 BLOCK 12
Legal Subdivision	LOVELLS GROVE ADDN
Legal Block	12
Legal Lot Number	19,20
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2009
Census Tract	850800

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Spring-Douglas Historic District listed 2000 · 455 contributing resources · NRIS 00000410

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	2 Individual Names on Record
Mailing Address	851 BROOK ST, ELGIN, IL 60120-2901
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP
Aug 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP
Mar 27, 2020	Warranty Deed, Transfer · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP
Oct 10, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 27, 2020 · Amount on Record
Deed Sale	Mar 27, 2020 · Amount on Record
Prior Sale	Jan 9, 2013 · Amount on Record
Deed Document Number	202015628
Prior Transfer Date	Aug 28, 2019
Prior Transfer Doc	0000048131
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	851 BROOK ST, ELGIN, IL 60120-2901
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000064286
Date	Aug 23, 2021
Instrument	2021K064286

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company
Address	DOWNERS GROVE, IL 60515

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.87%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	851 BROOK ST, ELGIN, IL 60120-2901
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	HEARTLAND TITLE COMPANY, WHEATLAND TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000064281
Date	Aug 23, 2021
Instrument	2021K064281

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company
Address	DOWNERS GROVE, IL 60515

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Interest

Rate Type	Fixed Rate
Rate	5.87%

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Mar 27, 2020
Property Address	851 BROOK ST, ELGIN, IL 60120-2901
Document Number	0000015628
Instrument Date	Mar 9, 2020
Instrument	2020K015628
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	BAIRD & WARNER TITLE SERVICE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$320.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	851 BROOK ST, ELGIN, IL 60120-2901

Mortgage

Document Number	0000015629
Date	Mar 27, 2020
Instrument	2020K015629

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.5%

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Oct 10, 2019
Property Address	851 BROOK ST, ELGIN, IL 60120-2901
Document Number	0000048131
Instrument Date	Aug 28, 2019
Instrument	48131
Transaction Type	Transfer
Record Updated	Oct 22, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	851 BROOK ST ELGIN IL 601202901, ELGIN, IL 60120-2901

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	$8,999.00 (+16.15%) Homeowner's exemption
2024		$116,025 (+21.39%) Land $26,607 Building $89,418	$348,214 (+21.44%) Land $79,853 Building $268,361
2022	$7,748.00 (+6.5%) Homeowner's exemption	$95,577 (+6.96%) Land $21,918 Building $73,659	$286,731 (+6.96%) Land $65,754 Building $220,977
2021	$7,275.00 Homeowner's exemption	$89,358 Land $20,492 Building $68,866	$268,074 Land $61,476 Building $206,598

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 222 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: T-Mobile, Verizon.

Nearby Properties on Brook St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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