Kane County property record for 3594 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 | $602,500 (Dec 2024) |
| Tax Bill | $3,369 (2022) |
| Deeds & Mortgages | Feb 2024 Construction Loan Sep 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-01-380-013 |
| Primary APN | 05-01-380-013 |
|---|
| Lot Area | 12,197 sqft (0.28 acres) |
|---|
| Street Address | 3594 WATERSCAPE TER |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60124-5715 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HIGHLAND WOODS NEIGHBORHOOD F LOT 348 |
| Legal Subdivision | HIGHLAND WOODS |
| Legal Block | 2 |
| Legal Lot Number | 348 |
| 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 | 3594 WATERSCAPE TER, ELGIN, IL 60124-5715 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 13, 2024 | Deed of Trust, Mortgage · Construction Mortgage THE HARVARD STATE BANK |
| Sep 28, 2022 | Special Warranty Deed, Transfer · Stand-Alone First Mortgage MERITUS HOMES INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 9, 2024 · Amount on Record |
| Deed Sale | Dec 9, 2024 · Amount on Record |
| Prior Sale | Sep 28, 2022 · Amount on Record |
| Deed Document Number | 202445340 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 3594 WATERSCAPE TER, ELGIN, IL 60124-5715 |
| Transaction Type | Mortgage |
| Record Updated | Feb 21, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000004512 |
|---|---|
| Date | Feb 13, 2024 |
| Instrument | 2024K004512 |
| Name | THE HARVARD STATE BANK |
|---|---|
| Type | Bank |
| Address | HARVARD, IL 60033 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Feb 7, 2025 |
| Change Frequency | Quarterly |
|---|
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Sep 28, 2022 |
| Property Address | 3594 WATERSCAPE TER, ELGIN, IL 60124-5715 |
| Document Number | 0000047969 |
| Instrument Date | Sep 20, 2022 |
| Instrument | 2022K047969 |
| Transaction Type | Transfer |
| Record Updated | Oct 5, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $65.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1827 E LINCOLN HWY, DEKALB, IL 60115-3958 |
| Investor | Possibly a Property Investor |
| Document Number | 0000047970 |
|---|---|
| Date | Sep 28, 2022 |
| Instrument | 2022K047970 |
| Name | MERITUS HOMES INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Sep 20, 2023 |
Source: Kane County assessment roll, as of December 26, 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 |
|---|---|---|---|
| 2024 | $82,291 (+131.19%) Land $44,220 Building $38,071 | $246,972 (+131.28%) Land $132,713 Building $114,259 | |
| 2022 | $3,369.00 (-0.68%) | $35,595 (+3.51%) Land $35,595 | $106,785 (+3.51%) Land $106,785 |
| 2021 | $3,392.00 | $34,388 Land $34,388 | $103,164 Land $103,164 |
Assessed value is set for property tax purposes, not a market price estimate; it is 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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