946 N Spring St, Elgin, IL 60120 Property Records

Kane County property record for 946 N Spring St, Elgin, IL 60120 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,690 sqft · built 1902
Lot Size	0.168 acres (7,339 sqft)
Owner	2 Individual Names on File
Last Sale	$199,000 (Dec 2017)
Tax Bill	$6,953 (2025)
Deeds & Mortgages	Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-12-151-001`

Property Details

APN / Parcel Number

Primary APN	`06-12-151-001`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	5 Stories
Building Area	1,690 sqft Living Area
Gross Area	2,863 sqft
Basement Area	1,173 sqft

Exterior

Year Built	Built 1902
Effective Year Built	Effective 1902
Architectural Style	Traditional
Exterior Material	Wood
Construction Type	Frame
Lot Area	7,339 sqft (0.168 acres)
Lot Dimensions	132 ft deep x 56 ft wide
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Water Source	Commercial

Location & Zoning

Street Address	946 N SPRING ST
City	ELGIN
State	IL
Zip	60120-2122
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOVELLS GROVE ADDN EXCEPT SOUTH 50 FT LOT 2 & ALL OF LOT 1 BLOCK 13
Legal Subdivision	LOVELLS GROVE ADDN
Legal Block	13
Legal Lot Number	2,1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2002
Census Tract	850800

Owner

Source: Kane County records · APN 06-12-151-001

Assessment roll updated August 25, 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 Record	2 Individual Names on File
Mailing Address	946 N SPRING ST, ELGIN, IL 60120-2122
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 22, 2017 · Amount on Record
Deed Sale	Dec 22, 2017 · Amount on Record
Prior Sale	Apr 24, 2013 · Amount on Record
Deed Document Number	201766698
Record Updated	Sep 20, 2026

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Dec 22, 2017
Property Address	946 N SPRING ST, ELGIN, IL 60120-2122
Document Number	0000066698
Instrument Date	Dec 07, 2017
Instrument	2017K066698
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$199.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	946 N SPRING ST, ELGIN, IL 60120-2122

Mortgage

Document Number	0000066699
Date	Dec 22, 2017
Instrument	2017K066699

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2048

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,953.00 (+15.84%) Homeowner's exemption
2024		$91,322 (+21.39%) Land $16,136 Building $75,186	$274,076 (+21.44%) Land $48,427 Building $225,648
2022	$6,002.00 (+4.58%) Homeowner's exemption	$75,229 (+6.96%) Land $13,293 Building $61,936	$225,687 (+6.96%) Land $39,879 Building $185,808
2021	$5,739.00 Homeowner's exemption	$70,334 Land $12,428 Building $57,906	$211,002 Land $37,284 Building $173,718

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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 592 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Radiate Holdings	Cable	1,500 / 50
AT&T	DSL	100 / 20

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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