Kane County property record for 3590 Waterscape Ter, Elgin, IL 60124
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $652,000 (Jan 2023) |
| Tax Bill | $15,863 (2025) |
| Deeds & Mortgages | Jan 2023 Sale & Mortgage Dec 2019 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-01-380-015 |
| Primary APN | 05-01-380-015 |
|---|
| Lot Area | 12,197 sqft (0.28 acres) |
|---|
| Street Address | 3590 WATERSCAPE TER |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60124-5715 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HIGHLAND WOODS NEIGHBORHOOD F LT 350 |
| Legal Subdivision | HIGHLAND WOODS |
| Legal Block | 2 |
| Legal Lot Number | 350 |
| Jurisdiction | KANE IL |
| Township / Civil Division | PLATO |
| Census Block Group | 2 |
| Census Block | 2031 |
| Census Tract | 850711 |
Source: Kane County records, as of July 21, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 3590 WATERSCAPE TER, ELGIN, IL 60124-5715 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 23, 2023 | Warranty Deed, Transfer · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CORP |
| Dec 9, 2019 | Warranty Deed, Transfer FIRST AMERICAN TITLE |
| Oct 26, 2017 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 23, 2023 · Amount on Record |
| Deed Sale | Jan 23, 2023 · Amount on Record |
| Prior Sale | Dec 9, 2019 · Amount on Record |
| Deed Document Number | 20232310 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jan 23, 2023 |
| Property Address | 3590 WATERSCAPE TER, ELGIN, IL 60124-5715 |
| Document Number | 0000002310 |
| Map Reference | DOC 2006K120184 |
| Instrument Date | Jan 18, 2023 |
| Instrument | 2023K002310 |
| Transaction Type | Transfer |
| Record Updated | Jan 30, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $652.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3590 WATERSCAPE TER, ELGIN, IL 60124-5715 |
| Document Number | 0000002311 |
|---|---|
| Date | Jan 23, 2023 |
| Instrument | 2023K002311 |
| Name | FIRST CENTENNIAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 4, 2053 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Dec 9, 2019 |
| Property Address | 3590 WATERSCAPE TER, ELGIN, IL 60124-5715 |
| Document Number | 0000059489 |
| Instrument Date | Nov 7, 2019 |
| Instrument | 59489 |
| Transaction Type | Transfer |
| Record Updated | Dec 20, 2019 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $712.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 311 METZGAR ST HALF MOON BAY CA 940192017, HALF MOON BAY, CA 94019-2017 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Oct 26, 2017 |
| Property Address | 3590 WATERSCAPE TER, ELGIN, IL 60124-5715 |
| Document Number | 0000056173 |
| Instrument Date | Sep 26, 2017 |
| Instrument | 56173 |
| Transaction Type | Transfer |
| Record Updated | Nov 28, 2017 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $720.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3590 WATERSCAPE TER ELGIN IL 601245715, ELGIN, IL 60124-5715 |
| Document Number | 56174 |
|---|---|
| Date | Oct 26, 2017 |
| Instrument | 56174 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 25, 2032 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.12% |
Source: Kane County assessment roll, as of August 25, 2025
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Plato Township |
| Municipality | Elgin City |
| Unified School District | Central Community Unit School District 301 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $15,863.00 (+0.25%) | ||
| 2024 | $235,495 (+31.82%) Land $44,220 Building $191,275 | $706,768 (+31.88%) Land $132,713 Building $574,055 | |
| 2022 | $15,823.00 (-0.55%) Homeowner's exemption | $178,644 (+5.51%) Land $35,595 Building $143,049 | $535,932 (+5.51%) Land $106,785 Building $429,147 |
| 2021 | $15,910.00 Homeowner's exemption | $169,319 Land $34,388 Building $134,931 | $507,957 Land $103,164 Building $404,793 |
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 | 4 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 | Low lower than 98% of the US · lower than 86% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 258 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Astound Broadband Cable | 1,500 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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