Cook County property record for 188 Waverly Dr, Elgin, IL 60120
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,281 sqft · built 1973 |
| Lot Size | 0.217 acres (9,440 sqft) |
| Owner | Individual on Record |
| Last Sale | $158,500 (Apr 2017) |
| Tax Bill | $5,378 (2023) |
| Deeds & Mortgages | Oct 2021 Mortgage Apr 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-18-213-007 |
| Primary APN | 06-18-213-007 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,281 sqft Living Area |
| 1st Floor Area | 1,281 sqft |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Bungalow |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 9,440 sqft (0.217 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 188 WAVERLY DR |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-4670 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Range | 9E |
| Legal Township | 41N |
| Legal Section | 18 |
| Legal Subdivision | PARKWOOD 04 |
| Legal Lot Number | 304 |
| Jurisdiction | COOK IL |
| Township / Civil Division | HANOVER |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 804404 |
Source: Cook County assessment roll, as of May 27, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual on Record |
|---|---|
| Mailing Address | 188 WAVERLY DR, ELGIN, IL 60120-4670 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage KANE COUNTY TEACHERS CU |
| Apr 26, 2017 | Warranty Deed, Transfer · FHA Mortgage OCWEN LN SERVICING |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 26, 2017 · Amount on Record |
| Deed Sale | Apr 26, 2017 · Amount on Record |
| Prior Sale | Oct 12, 2016 · Amount on Record |
| Deed Document Number | 201749054 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 188 WAVERLY DR, ELGIN, IL 60120-4670 |
| Transaction Type | Mortgage |
| Record Updated | Nov 11, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0030246196 |
|---|---|
| Date | Oct 29, 2021 |
| Instrument | 2130246196 |
| Name | KANE COUNTY TEACHERS CU |
|---|---|
| Type | Credit Union |
| Address | ELGIN, IL 60123 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | Apr 26, 2017 |
| Property Address | 188 WAVERLY DR, ELGIN, IL 60120-4670 |
| Document Number | 1711649054 |
| Instrument Date | Apr 21, 2017 |
| Instrument | 11649054 |
| Transaction Type | Transfer |
| Record Updated | Sep 9, 2019 |
| Title Company | SATURN TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $158.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 188 WAVERLY DR ELGIN IL 601204670, ELGIN, IL 60120-4670 |
| Document Number | 1711649056 |
|---|---|
| Date | Apr 26, 2017 |
| Instrument | 11649056 |
| Name | OCWEN LN SERVICING |
|---|---|
| Type | Funding / Finance Company |
| Address | WEST PALM BEACH, FL 33409 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 25, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.75% |
Source: Cook County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Cook County |
| County Subdivision | Hanover Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $27,000 (+22.73%) Land $6,608 Building $20,392 | $270,000 (+22.73%) Land $66,080 Building $203,920 | |
| 2023 | $5,378.00 (+3.48%) | ||
| 2022 | $5,197.00 Homeowner's exemption | $22,000 Land $6,136 Building $15,864 | $220,000 Land $61,360 Building $158,640 |
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.
Source: FEMA National Flood Hazard Layer, effective February 11, 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 636 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fixed Wireless in parts of the area | 100 / 20 |
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