Kane County property record for 2821 Edgewater Dr, Elgin, IL 60124
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,246 sqft · built 2007 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $340,000 (Sep 2025) |
| Tax Bill | $4,242 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Sep 2025 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-29-131-012 |
| Primary APN | 06-29-131-012 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,246 sqft Living Area |
| 1st Floor Area | 1,246 sqft |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Construction Type | Frame |
| Lot Area | 6,970 sqft (0.16 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|
| Street Address | 2821 EDGEWATER DR |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60124-3112 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EDGEWATER SUB PHASE 3 LT 646 |
| Legal Subdivision | EDGEWATER SUB |
| Legal Phase | 3 |
| Legal Block | 2 |
| Legal Lot Number | 646 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 2 |
| Census Block | 2028 |
| Census Tract | 851913 |
Source: Kane County records, as of July 23, 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 | 12529 DOVER DR, MONTGOMERY, TX 77356-8071 |
| Owner Type | Individual |
| Vesting | Single Woman |
| Date | Document |
|---|---|
| Aug 6, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL SAVINGS BANK |
| Sep 15, 2025 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Mar 26, 2021 | Transfer on Death Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Oct 12, 2018 | Administrator's Deed, Transfer · Conventional Mortgage KEY MORTGAGE SERVICES INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 15, 2025 · Amount on Record |
| Deed Sale | Sep 15, 2025 · Amount on Record |
| Prior Sale | Oct 12, 2018 · Amount on Record |
| Deed Document Number | 202535377 |
| Prior Transfer Date | Mar 25, 2021 |
| Prior Transfer Doc | 0000023628 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 2821 EDGEWATER DR, ELGIN, IL 60124-3112 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2025 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000060036 |
|---|---|
| Date | Aug 6, 2021 |
| Instrument | 2021K060036 |
| Name | FIRST FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | OTTAWA, IL 61350 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Sep 15, 2025 |
| Property Address | 2821 EDGEWATER DR, ELGIN, IL 60124-3112 |
| Document Number | 0000035377 |
| Map Reference | DOC 2006K068247 |
| Instrument Date | Aug 13, 2025 |
| Instrument | 2025K035377 |
| Transaction Type | Transfer |
| Record Updated | Oct 2, 2025 |
| Title Company | BAIRD AND WARNER TITLE SERVICES INC, BAIRD & WARNER TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $340.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2821 EDGEWATER DR, ELGIN, IL 60124-3112 |
| Document Number | 0000035378 |
|---|---|
| Date | Sep 15, 2025 |
| Instrument | 2025K035378 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Mar 26, 2021 |
| Property Address | 2821 EDGEWATER DR, ELGIN, IL 60124-3112 |
| Document Number | 0000023628 |
| Map Reference | DOC 2006K067247 |
| Instrument Date | Mar 25, 2021 |
| Instrument | 2021K023628 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2821 EDGEWATER DR, 2821, ELGIN, IL 60124-3112 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Document Type | Administrator's Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Oct 12, 2018 |
| Property Address | 2821 EDGEWATER DR, ELGIN, IL 60124-3112 |
| Document Number | 0000050209 |
| Map Reference | DOC2006K067247 |
| Instrument Date | Oct 5, 2018 |
| Instrument | 2018K050209 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2022 |
| Title Company | REGENCY TITLE SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $232.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 2821 EDGEWATER DR, ELGIN, IL 60124-3112 |
| Document Number | 0000050210 |
|---|---|
| Date | Oct 12, 2018 |
| Instrument | 2018K050210 |
| Name | KEY MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5% |
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,242.00 (-34.88%) Homeowner's exemption Senior Citizen's exemption | $105,750 (+8.57%) Land $34,955 Building $70,795 | $317,377 (+8.57%) Land $104,907 Building $212,470 |
| 2024 | $6,514.00 (+23.93%) Homeowner's exemption | $97,403 (+21.39%) Land $32,196 Building $65,207 | $292,326 (+21.44%) Land $96,627 Building $195,699 |
| 2022 | $5,256.00 (-2.79%) Homeowner's exemption | $80,238 (+6.96%) Land $26,522 Building $53,716 | $240,714 (+6.96%) Land $79,566 Building $161,148 |
| 2021 | $5,407.00 Homeowner's exemption | $75,017 Land $24,796 Building $50,221 | $225,051 Land $74,388 Building $150,663 |
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 October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 459 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 |
| AT&T Fiber · DSL in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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