315 Watres Pl, Elgin, IL 60120 Property Records

Kane County property record for 315 Watres Pl, Elgin, IL 60120 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,444 sqft · built 1973
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on File
Last Sale	$157,000 (Nov 2019)
Tax Bill	$5,335 (2025)
Deeds & Mortgages	Nov 2019 Sale & Mortgage Jun 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`06-13-478-002`

Property Details

APN / Parcel Number

Primary APN	`06-13-478-002`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,444 sqft Living Area
Gross Area	2,888 sqft
1st Floor Area	1,444 sqft
Basement Area	1,444 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Construction Type	Frame
Lot Area	5,663 sqft (0.13 acres)
Lot Dimensions	116 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	315 WATRES PL
City	ELGIN
State	IL
Zip	60120-6721
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EDWARD C LOVELLS ADDN LOT 9 BLOCK 2
Legal Subdivision	EDWARD C LOVELLS ADDN
Legal Block	2
Legal Lot Number	9
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3005
Census Tract	851400

Owner

Source: Kane County records · APN 06-13-478-002

Assessment roll updated August 25, 2025 · Last verified July 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 File
Mailing Address	315 WATRES PL, ELGIN, IL 60120-6721
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 06, 2019	Warranty Deed, Subdivision Related Transfer · FHA Mortgage FIRST STATE MORTGAGE SERVICES INC
Jun 19, 2017	Loan Modification, Mortgage · Line of Credit GERMAN AM CAP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 06, 2019 · Amount on Record
Deed Sale	Nov 06, 2019 · Amount on Record
Prior Sale	Jul 31, 2013 · Amount on Record
Deed Document Number	201953489
Prior Transfer Date	Feb 01, 1997
Prior Transfer Doc	0000009317
Record Updated	Sep 20, 2026

November 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Nov 06, 2019
Property Address	315 WATRES PL, ELGIN, IL 60120-6721
Document Number	0000053489
Instrument Date	Oct 08, 2019
Instrument	2019K053489
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 05, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$157.00
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	108 HEINE DR, STREAMWOOD, IL 60107-1950

Mortgage

Document Number	0000053490
Date	Nov 06, 2019
Instrument	2019K053490

Lender

Name	FIRST STATE MORTGAGE SERVICES INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2049

Interest

Rate Type	Fixed Rate
Rate	3.62%

June 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KANE IL
Recording Date	Jun 19, 2017
Property Address	315 WATRES PL, ELGIN, IL 60120-6721
Instrument Date	Jun 15, 2017
Instrument	31182
Transaction Type	Mortgage
Record Updated	Aug 23, 2018
Title Company	SERVICELINK

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	909 N SEPULVEDA BLVD #840 EL SEGUNDO CA 902452718, 840, EL SEGUNDO, CA 90245-2718

Mortgage

Document Number	0000031182
Date	Jun 19, 2017
Instrument	31182

Lender

Name	GERMAN AM CAP
Type	Funding / Finance Company
Address	60 WALL ST # 10TH, NEW YORK, NY 10005-2836

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,335.00 (+15.8%) Homeowner's exemption
2024		$71,783 (+21.39%) Land $10,568 Building $61,215	$215,435 (+21.44%) Land $31,717 Building $183,718
2022	$4,607.00 (+4.78%) Homeowner's exemption	$59,132 (+6.96%) Land $8,705 Building $50,427	$177,396 (+6.96%) Land $26,115 Building $151,281
2021	$4,397.00 Homeowner's exemption	$55,285 Land $8,139 Building $47,146	$165,855 Land $24,417 Building $141,438

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 438 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Radiate Holdings	Cable	1,500 / 50
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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