Kane County property record for 2851 Edgewater Dr, Elgin, IL 60124
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,570 sqft · built 2007 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $275,000 (May 2018) |
| Tax Bill | $8,391 (2025) |
| Deeds & Mortgages | May 2022 Reverse Mortgage May 2018 Sale & Reverse Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-29-178-001 |
| Primary APN | 06-29-178-001 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,570 sqft Living Area |
| 1st Floor Area | 1,570 sqft |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Construction Type | Frame |
| Lot Area | 11,761 sqft (0.27 acres) |
| Lot Width | 124 ft Width |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|
| Street Address | 2851 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 658 |
| Legal Subdivision | EDGEWATER SUB |
| Legal Phase | 3 |
| Legal Block | 2 |
| Legal Lot Number | 658 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 2 |
| Census Block | 2028 |
| Census Tract | 851913 |
Source: Kane County records, as of July 21, 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 Record |
|---|---|
| Mailing Address | 2851 EDGEWATER DR, ELGIN, IL 60124-3112 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 10, 2022 | Deed of Trust, Mortgage · Reverse Mortgage MID-AMERICAN MORTGAGE INC |
| May 8, 2018 | Warranty Deed, Transfer · Reverse Mortgage LIVE WELL FINANCIAL INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 8, 2018 · Amount on Record |
| Deed Sale | May 8, 2018 · Amount on Record |
| Prior Sale | Mar 13, 2008 · Amount on Record |
| Deed Document Number | 201821232 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 2851 EDGEWATER DR, ELGIN, IL 60124-3112 |
| Transaction Type | Mortgage |
| Record Updated | Aug 8, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2851 EDGEWATER DR, ELGIN, IL 60124-3112 |
| Document Number | 0000025265 |
|---|---|
| Date | May 10, 2022 |
| Instrument | 2022K025265 |
| Name | MID-AMERICAN MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | BIRMINGHAM, AL 35243 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.08% |
| Change Frequency | Monthly |
| Index | 1-Year CMT |
| Max Rate | 9.08% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | May 8, 2018 |
| Property Address | 2851 EDGEWATER DR, ELGIN, IL 60124-3112 |
| Document Number | 0000021232 |
| Map Reference | DOC2006K068247 |
| Instrument Date | May 3, 2018 |
| Instrument | 2018K021232 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2022 |
| Title Company | CHICAGO TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $275.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2851 EDGEWATER DR, ELGIN, IL 60124-3112 |
| Document Number | 0000021233 |
|---|---|
| Date | May 8, 2018 |
| Instrument | 2018K021233 |
| Name | LIVE WELL FINANCIAL INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate | 4.28% |
|---|---|
| Type Change Date | Jun 1, 2019 |
| Change Frequency | Annually |
| Min Rate At Change | 2% |
| Index | 1-Year LIBOR |
| Max Rate | 5% |
Source: Kane County assessment roll, as of December 26, 2025
| 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 | $8,391.00 (+4.81%) Homeowner's exemption Senior Citizen's exemption | ||
| 2024 | $8,006.00 (+12.9%) | $116,047 (+21.39%) Land $35,167 Building $80,880 | $348,280 (+21.44%) Land $105,543 Building $242,737 |
| 2022 | $7,091.00 (+4.94%) Homeowner's exemption | $95,596 (+6.96%) Land $28,970 Building $66,626 | $286,788 (+6.96%) Land $86,910 Building $199,878 |
| 2021 | $6,757.00 Homeowner's exemption | $89,376 Land $27,085 Building $62,291 | $268,128 Land $81,255 Building $186,873 |
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 |
|---|---|
| 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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