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939 Prospect St, Elgin, IL 60120 Property Records

Kane County property record for 939 Prospect St, Elgin, IL 60120 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 1 ba · 1,368 sqft · built 1908
Lot Size0.2 acres (8,712 sqft)
OwnerCompany Name on File
Last Sale$300,000 (Dec 2025)
Tax Bill$6,210 (2025)
Deeds & MortgagesDec 2025 Sale & Mortgage
Jan 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN06-12-154-002

Property Details

APN / Parcel Number

Primary APN06-12-154-002

Interior

Bedrooms4 Beds
Full Baths1 Bath
Total Rooms8 Rooms
Stories2 Stories
Building Area1,368 sqft Living Area
Gross Area2,052 sqft
Basement Area684 sqft

Exterior

Year BuiltBuilt 1908
Effective Year BuiltEffective 1908
Architectural StyleCustom Design
Exterior MaterialStucco
Construction TypeFrame
Lot Area8,712 sqft (0.2 acres)
Lot Dimensions132 ft deep x 66 ft wide
Garage TypeDetached
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Water SourceCommercial

Location & Zoning

Street Address939 PROSPECT ST
CityELGIN
StateIL
Zip60120-2921
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCONGDONS 2ND ADDN LOT 2 BLOCK 3
Legal SubdivisionCONGDONS 2ND ADDN
Legal Block3
Legal Lot Number2
JurisdictionKANE IL
Township / Civil DivisionELGIN
Census Block Group2
Census Block2000
Census Tract850800

Owner

Source: Kane County records · APN 06-12-154-002

Assessment roll updated December 26, 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 RecordCompany Name on File
Mailing Address10885 S STATE ST, SANDY, UT 84070-4104
OccupancyOwner Occupied
Owner TypeCompany
VestingCompany

Deeds, Mortgages & Sale History

DateDocument
Dec 31, 2025Warranty Deed, Transfer · FHA Mortgage
PANORAMA MORTGAGE GROUP LLC
Jan 20, 2021Deed of Trust, Mortgage · Conventional Mortgage
WINTRUST MORTGAGE

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleDec 31, 2025 · Amount on Record
Deed SaleDec 31, 2025 · Amount on Record
Prior SaleJan 25, 2007 · Amount on Record
Deed Document Number202552007
Prior Transfer DateJul 26, 2002
Prior Transfer Doc0000114202
Record UpdatedSep 20, 2026

December 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKANE IL
Recording DateDec 31, 2025
Property Address939 PROSPECT ST, ELGIN, IL 60120-2921
Document Number0000052007
Instrument DateDec 18, 2025
Instrument2025K052007
Transaction TypeTransfer
Record UpdatedJan 08, 2026
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$300.00
Amount AccuracyRounded by County
Additional
  • Lis Pendens
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address939 PROSPECT ST, ELGIN, IL 60120-2921

Transferred To (Grantee/Buyer)

NameVerified Name
Address10885 S STATE ST, SANDY, UT 84070-4104
InvestorPossibly a Property Investor

Mortgage

Document Number0000052008
DateDec 31, 2025
Instrument2025K052008
Lender
NamePANORAMA MORTGAGE GROUP LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2056
Interest
Rate TypeFixed Rate
Rate7.25%

Mortgage

Document Number0000052009
DateDec 31, 2025
Instrument2025K052009
Lender
NamePANORAMA MORTGAGE GROUP LLC
TypeMortgage Company
AddressLAS VEGAS, NV 89113
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2056
Interest
Rate TypeFixed Rate

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address939 PROSPECT ST, ELGIN, IL 60120-2921
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000004733
DateJan 20, 2021
Instrument2021K004733
Lender
NameWINTRUST MORTGAGE
TypeMortgage Company
AddressDES PLAINES, IL 60018
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term179 Months
DueDec 01, 2035
Interest
Rate TypeFixed Rate
Rate2.5%

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated December 26, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionElgin Township
MunicipalityElgin City
Unified School DistrictSchool District U-46 (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$6,210.00 (+4.37%) Homeowner's exemption
2024$5,950.00 (+10.97%) Homeowner's exemption$82,355 (+21.39%) Land $18,185 Building $64,170$247,164 (+21.44%) Land $54,577 Building $192,587
2022$5,362.00 (+4.67%) Homeowner's exemption$67,841 (+6.96%) Land $14,980 Building $52,861$203,523 (+6.96%) Land $44,940 Building $158,583
2021$5,123.00 Homeowner's exemption$63,426 Land $14,005 Building $49,421$190,278 Land $42,015 Building $148,263

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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