909 Prospect St, Elgin, IL 60120 Property Records

Kane County property record for 909 Prospect St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,629 sqft · built 1900
Lot Size	0.171 acres (7,458 sqft)
Owner	2 Individual Names on Record
Last Sale	$200,000 (Mar 2023)
Tax Bill	$4,409 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Mar 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`06-12-154-008`

Property Details

APN / Parcel Number

Primary APN	`06-12-154-008`

Interior

Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,629 sqft Living Area
Gross Area	2,587 sqft
Basement Area	958 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Brick
Lot Area	7,458 sqft (0.171 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	909 PROSPECT ST
City	ELGIN
State	IL
Zip	60120-2921
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BOULEVARD ADDN LOT 10 BLOCK 2
Legal Subdivision	BOULEVARD ADDN
Legal Block	2
Legal Lot Number	10
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2000
Census Tract	850800

Owner

Source: Kane County records, as of July 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	909 PROSPECT ST, ELGIN, IL 60120-2921
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2024	Deed of Trust, Mortgage · Line of Credit FIRST MERCHANTS BANK
Mar 3, 2023	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 3, 2023 · Amount on Record
Deed Sale	Mar 3, 2023 · Amount on Record
Deed Document Number	20236490
Prior Transfer Date	Nov 4, 1998
Prior Transfer Doc	0000077476
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	909 PROSPECT ST, ELGIN, IL 60120-2921
Transaction Type	Mortgage
Record Updated	May 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	909 PROSPECT ST, ELGIN, IL 60120-2921

Mortgage

Document Number	0000013625
Date	Apr 25, 2024
Instrument	2024K013625

Lender

Name	FIRST MERCHANTS BANK
Type	Bank
Address	DARIEN, IL 60561

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 5, 2054

Interest

Rate Type	Adjustable Rate
Rate	8.5%
Change Frequency	Monthly
Min Rate At Change	4%
Max Rate At Change	8.5%
Max Rate	25%

March 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	KANE IL
Recording Date	Mar 3, 2023
Property Address	909 PROSPECT ST, ELGIN, IL 60120-2921
Document Number	0000006490
Instrument Date	Feb 24, 2023
Instrument	2023K006490
Transaction Type	Transfer
Record Updated	Mar 10, 2023

Transaction

Amount	Amount Recorded
Tax	$200.00
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	909 PROSPECT ST, ELGIN, IL 60120-2921

Tax Assessment & Valuation

Source: Kane County assessment roll, as of July 23, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,409.00 (-9.89%)	$80,117 (+8.57%) Land $17,025 Building $63,092	$240,447 (+8.57%) Land $51,095 Building $189,352
2024		$73,793 (+30.75%) Land $15,681 Building $58,112	$221,468 (+30.81%) Land $47,062 Building $174,406
2022	$4,893.00 (+3.95%)	$56,437 (+6.96%) Land $12,918 Building $43,519	$169,311 (+6.96%) Land $38,754 Building $130,557
2021	$4,707.00	$52,764 Land $12,077 Building $40,687	$158,292 Land $36,231 Building $122,061

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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