Cook County property record for 278 Waverly Dr, Elgin, IL 60120
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,295 sqft · built 1985 |
| Lot Size | 0.12 acres (5,225 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $159,000 (Apr 2017) |
| Tax Bill | $5,757 (2023) |
| Deeds & Mortgages | Jun 2023 Mortgage Apr 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-18-213-104 |
| Primary APN | 06-18-213-104 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,295 sqft Living Area |
| 1st Floor Area | 1,295 sqft |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Bungalow |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Asphalt |
| Lot Area | 5,225 sqft (0.12 acres) |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Water Source | Commercial |
| Street Address | 278 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 | 2 |
| Legal Unit | 1 |
| Jurisdiction | COOK IL |
| Township / Civil Division | HANOVER |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 804404 |
Source: Cook County records, 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 Name on Record |
|---|---|
| Mailing Address | 278 WAVERLY DR, ELGIN, IL 60120-4685 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 26, 2023 | Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW COMMUNITY CAPITAL LLC |
| Apr 13, 2017 | Grant Deed, Transfer · FHA Mortgage FIRST CENTENNIAL MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 13, 2017 · Amount on Record |
| Deed Sale | Apr 13, 2017 · Amount on Record |
| Prior Sale | Jun 28, 2004 · Amount on Record |
| Deed Document Number | 201749037 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 278 WAVERLY DR, ELGIN, IL 60120-4685 |
| Transaction Type | Mortgage |
| Record Updated | Jul 5, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0017733131 |
|---|---|
| Date | Jun 26, 2023 |
| Instrument | 2317733131 |
| Name | LAKEVIEW COMMUNITY CAPITAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | HORSHAM, PA 19044 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | Apr 13, 2017 |
| Property Address | 278 WAVERLY DR, ELGIN, IL 60120-4685 |
| Document Number | 1710349037 |
| Instrument Date | Mar 23, 2017 |
| Instrument | 10349037 |
| Transaction Type | Transfer |
| Record Updated | Apr 24, 2017 |
| Title Company | PRECISION TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $159.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1121 B INDIAN DR #15 ELGIN IL 60120, 15, ELGIN, IL 60120 |
| Document Number | 1710349038 |
|---|---|
| Date | Apr 13, 2017 |
| Instrument | 10349038 |
| Name | FIRST CENTENNIAL MTG |
|---|---|
| Type | Mortgage Company |
| Address | AURORA, IL 60506 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 12, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.25% |
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 | $30,001 (+50.01%) Land $3,658 Building $26,343 | $300,010 (+50.01%) Land $36,580 Building $263,430 | |
| 2023 | $5,757.00 (+2.91%) | ||
| 2022 | $5,594.00 | $19,999 Land $3,396 Building $16,603 | $199,990 Land $33,960 Building $166,030 |
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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