Kane County property record for 3592 Waterscape Ter, Elgin, IL 60124
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $456,000 (Jan 2017) |
| Tax Bill | $14,694 (2025) |
| Deeds & Mortgages | Feb 2020 Mortgage Jan 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-01-380-014 |
| Primary APN | 05-01-380-014 |
|---|
| Lot Area | 10,890 sqft (0.25 acres) |
|---|
| Street Address | 3592 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 349 |
| Legal Subdivision | HIGHLAND WOODS |
| Legal Block | 2 |
| Legal Lot Number | 349 |
| Jurisdiction | KANE IL |
| Township / Civil Division | PLATO |
| Census Block Group | 2 |
| Census Block | 2031 |
| Census Tract | 850711 |
3592 Waterscape Ter is owned and occupied by two individuals who bought it in January 2017.
Source: Kane County records, as of July 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3592 WATERSCAPE TER, ELGIN, IL 60124-5715 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Feb 7, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Jan 18, 2017 | Grant Deed, Subdivision Related Transfer · Conventional with PMI QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 18, 2017 · Amount on File |
| Deed Sale | Jan 18, 2017 · Amount on File |
| Prior Sale | Sep 17, 2014 · Amount on File |
| Deed Document Number | 20172965 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 3592 WATERSCAPE TER, ELGIN, IL 60124-5715 |
| Document Number | 0000008374 |
| Instrument Date | Feb 7, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3592 WATERSCAPE TER ELGIN IL 601245715, ELGIN, IL 60124-5715 |
| Document Number | 0000008374 |
|---|---|
| Date | Feb 14, 2020 |
| Instrument | 8374 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 13, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jan 18, 2017 |
| Property Address | 3592 WATERSCAPE TER, ELGIN, IL 60124-5715 |
| Document Number | 0000002965 |
| Instrument Date | Jan 13, 2017 |
| Instrument | 2965 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 2, 2017 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $684.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3592 WATERSCAPE TER ELGIN IL 601245715, ELGIN, IL 60124-5715 |
| Document Number | 2966 |
|---|---|
| Date | Jan 18, 2017 |
| Instrument | 2966 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 17, 2047 |
The 2025 property tax bill for 3592 Waterscape Ter was $14,694 with a homeowner's exemption.
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 | $14,694.00 Homeowner's exemption | ||
| 2024 | $215,255 Land $44,220 Building $171,035 | $646,023 Land $132,713 Building $513,310 | |
| 2022 | $15,317.00 (-0.55%) Homeowner's exemption | $167,825 (+3.51%) Land $35,595 Building $132,230 | $503,475 (+3.51%) Land $106,785 Building $396,690 |
| 2021 | $15,401.00 Homeowner's exemption | $162,134 Land $34,388 Building $127,746 | $486,402 Land $103,164 Building $383,238 |
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.
FEMA maps place 3592 Waterscape Ter in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 3592 Waterscape Ter is low, with less than a 0.01% annual chance of wildfire.
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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