287 Nautical Way, Elgin, IL 60123 Property Records

Kane County property record for 287 Nautical Way, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,292 sqft · built 1993
Owner	2 Individual Names on File
Last Sale	$118,500 (Jul 1996)
Tax Bill	$5,021 (2025)
Deeds & Mortgages	Mar 2017 Mortgage May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-21-126-022`

Property Details

APN / Parcel Number

Primary APN	`06-21-126-022`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,292 sqft Living Area
Gross Area	1,938 sqft
Basement Area	646 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Condo/Apartment
Construction Type	Frame
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	287 NAUTICAL WAY
City	ELGIN
State	IL
Zip	60123-4409
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WINDMERE COVE CONDOS BUILDING 10 UNIT C
Legal Subdivision	WINDMERE COVE CONDOS
Legal Block	2
Legal Lot Number	2
Legal Unit	C
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2017
Census Tract	851908

Owner

287 Nautical Way is owned and occupied by two individuals who bought it in July 1996.

Source: Kane County records, as of July 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	287 NAUTICAL WAY, ELGIN, IL 60123-4409
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 14, 2017	Deed of Trust, Mortgage · Conventional Mortgage DITECH FINANCIAL LLC
May 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 1996 · Amount on File
Deed Sale	Jul 15, 1996 · Amount on File
Deed Document Number	199650773
Record Updated	Sep 20, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	287 NAUTICAL WAY, ELGIN, IL 60123-4409
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013146
Date	Mar 14, 2017
Instrument	2017K013146

Lender

Name	DITECH FINANCIAL LLC
Type	Mortgage Company
Address	TAMPA, FL 33607

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Feb 1, 2047

Interest

Rate Type	Fixed Rate
Rate	4.75%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	287 NAUTICAL WAY, ELGIN, IL 60123-4409
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025198
Date	May 18, 2020
Instrument	2020K025198

Lender

Name	NEWREZ LLC
Type	Non-Lending Institution
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

Interest

Rate	3.5%

Tax Assessment & Valuation

The 2025 property tax bill for 287 Nautical Way was $5,021 with a homeowner's exemption.

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	Elgin Township
Municipality	Elgin City
Unified School District	School District U-46 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,021.00 Homeowner's exemption	$73,823 (+8.57%) Land $18,599 Building $55,224	$221,558 (+8.57%) Land $55,819 Building $165,738
2024		$67,996 Land $17,131 Building $50,865	$204,070 Land $51,414 Building $152,656
2022	$4,336.00 (+4.84%) Homeowner's exemption	$56,013 (+6.96%) Land $14,112 Building $41,901	$168,039 (+6.96%) Land $42,336 Building $125,703
2021	$4,136.00 Homeowner's exemption	$52,368 Land $13,194 Building $39,174	$157,104 Land $39,582 Building $117,522

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.

Flood

FEMA maps place 287 Nautical Way in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 A, 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.

Wildfire

The area around 287 Nautical Way 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 75 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband.

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