Cook County property record for 276 Waverly Dr, Elgin, IL 60120
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,258 sqft · built 1978 |
| Lot Size | 0.094 acres (4,080 sqft) |
| Owner | Individual Name on File |
| Last Sale | $150,000 (Mar 2017) |
| Tax Bill | $4,803 (2023) |
| Deeds & Mortgages | Feb 2021 Mortgage Mar 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-18-213-105 |
| Primary APN | 06-18-213-105 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,258 sqft Living Area |
| 1st Floor Area | 1,258 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1979 |
| Architectural Style | Bungalow |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Asphalt |
| Lot Area | 4,080 sqft (0.094 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 276 WAVERLY DR |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-4685 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | (PARKWOOD) VILLAGE (UNIT1) SUB PT OF NE SEC 18-41-09 |
| Legal Range | 09E |
| Legal Township | 41N |
| Legal Section | 18 |
| Legal Subdivision | PARKWOOD VILLAGE UNIT1 |
| Legal Lot Number | 1,2 |
| Legal Unit | 1 |
| Jurisdiction | COOK IL |
| Township / Civil Division | HANOVER |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 804404 |
276 Waverly Dr is owned and occupied by an individual who bought it in March 2017.
Source: Cook County records, as of May 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 276 WAVERLY DR, ELGIN, IL 60120-4685 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Mar 27, 2017 | Warranty Deed, Transfer · FHA Mortgage UNIVERSAL AMERICAN MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 27, 2017 · Amount on File |
| Deed Sale | Mar 27, 2017 · Amount on File |
| Prior Sale | Sep 23, 2010 · Amount on File |
| Deed Document Number | 20174036 |
| Prior Transfer Date | Apr 1, 2005 |
| Prior Transfer Doc | 0000033034 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 276 WAVERLY DR, ELGIN, IL 60120-4685 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2022 |
| Title Company | PROPER TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0004739147 |
|---|---|
| Date | Feb 16, 2021 |
| Instrument | 2104739147 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Feb 1, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.62% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | Mar 27, 2017 |
| Property Address | 276 WAVERLY DR, ELGIN, IL 60120-4685 |
| Document Number | 1708604036 |
| Instrument Date | Mar 17, 2017 |
| Instrument | 8604036 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2018 |
| Title Company | ATTORNEY'S TITLE, ATTORNEYS TITLE GUARANTY FUND |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $150.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1355 TODD FARM DR #101 ELGIN IL 601231767, 101, ELGIN, IL 60123-1767 |
| Document Number | 1708604037 |
|---|---|
| Date | Mar 27, 2017 |
| Instrument | 8604037 |
| Name | UNIVERSAL AMERICAN MTG |
|---|---|
| Type | Mortgage Company |
| Address | MIAMI, FL 33172-3139 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 26, 2047 |
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 | $28,000 Land $2,856 Building $25,144 | $280,000 Land $28,560 Building $251,440 | |
| 2023 | $4,803.00 (+3.58%) | ||
| 2022 | $4,637.00 Homeowner's exemption | $20,000 Land $2,652 Building $17,348 | $200,000 Land $26,520 Building $173,480 |
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.
FEMA maps place 276 Waverly Dr in Zone X, an area of minimal flood risk.
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.
The area around 276 Waverly Dr has no burnable land within ember reach, so its wildfire risk is not rated.
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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