304 Nautical Way, Elgin, IL 60123 Property Records

Kane County property record for 304 Nautical Way, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,059 sqft · built 1993
Owner	2 Individual Names on File
Last Sale	$220,000 (Mar 2026)
Tax Bill	$3,685 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-21-126-011`

Property Details

APN / Parcel Number

Primary APN	`06-21-126-011`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,059 sqft Living Area
1st Floor Area	1,059 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	304 NAUTICAL WAY
City	ELGIN
State	IL
Zip	60123-5884
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WINDMERE COVE CONDOS BUILDING 1 UNIT D
Legal Subdivision	WINDMERE COVE CONDOS
Legal Block	2
Legal Unit	D
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2016
Census Tract	851908

Owner

304 Nautical Way is owned by two individuals who bought it in March 2026.

Source: Kane County records, as of August 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	303 NEWPORT LN, C1, BARTLETT, IL 60103-7946
Owner Type	Individual
Vesting	Tenants by the Entirety

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 17, 2026	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Jul 1, 2021	· Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 17, 2026 · Amount on File
Deed Sale	Mar 17, 2026 · Amount on File
Prior Sale	Jul 1, 2021 · Amount on File
Deed Document Number	202610589
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Mar 17, 2026
Property Address	304 NAUTICAL WAY, ELGIN, IL 60123-5884
Document Number	0000010589
Map Reference	DOC 93K38042
Instrument Date	Mar 5, 2026
Instrument	2026K010589
Transaction Type	Transfer
Record Updated	Mar 25, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$220.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	304 NAUTICAL WAY # D, D, ELGIN, IL 60123-5884

Mortgage

Document Number	0000010590
Date	Mar 17, 2026
Instrument	2026K010590

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

July 2021:

Jurisdiction	KANE IL
Recording Date	Jul 1, 2021
Property Address	304 NAUTICAL WAY, ELGIN, IL 60123-5884
Document Number	0000050554
Map Reference	DOC 93K38042
Instrument Date	Jun 4, 2021
Instrument	2021K050554
Record Updated	Jul 16, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$144.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	111 W WASHINGTON ST STE 1030, 1030, CHICAGO, IL 60602-2739

Mortgage

Document Number	0000050555
Date	Jul 1, 2021
Instrument	2021K050555

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.37%

Tax Assessment & Valuation

The 2025 property tax bill for 304 Nautical Way was $3,685, up 5% from the year before.

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	$3,685.00 (+4.99%) Homeowner's exemption	$56,307 (+8.57%) Land $17,254 Building $39,053	$168,989 (+8.57%) Land $51,783 Building $117,206
2024	$3,510.00	$51,862 Land $15,892 Building $35,970	$155,648 Land $47,695 Building $107,953
2022	$2,750.00 (+6.51%) Homeowner's exemption	$42,722 (+6.96%) Land $13,091 Building $29,631	$128,166 (+6.96%) Land $39,273 Building $88,893
2021	$2,582.00 Homeowner's exemption	$39,942 Land $12,239 Building $27,703	$119,826 Land $36,717 Building $83,109

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 304 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 304 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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