Kane County property record for 3604 Waterscape Ter, Elgin, IL 60124
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $577,500 (Dec 2024) |
| Tax Bill | $11,783 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit Mar 2024 Construction Loan + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-01-380-008 |
| Primary APN | 05-01-380-008 |
|---|
| Lot Area | 10,454 sqft (0.24 acres) |
|---|
| Street Address | 3604 WATERSCAPE TER |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60124-3128 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HIGHLAND WOODS NEIGHBORHOOD F LT 343 |
| Legal Subdivision | HIGHLAND WOODS |
| Legal Block | 2 |
| Legal Lot Number | 343 |
| 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 shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3604 WATERSCAPE TER, ELGIN, IL 60124-3128 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Sep 2, 2026 | Deed of Trust, Mortgage · Line of Credit BAXTER CREDIT UNION |
| Mar 15, 2024 | Deed of Trust, Mortgage · Construction Mortgage ILLINOIS BANK & TRUST |
| Mar 13, 2023 | Deed of Trust, Mortgage · Commercial Mortgage ILLINOIS BANK & TRUST |
| Apr 20, 2022 | Special Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 11, 2024 · Amount on Record |
| Deed Sale | Dec 11, 2024 · Amount on Record |
| Prior Sale | Apr 20, 2022 · Amount on Record |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Sep 2, 2026 |
| Property Address | 3604 WATERSCAPE TER, ELGIN, IL 60124-3128 |
| Document Number | 0000038130 |
| Instrument Date | Aug 25, 2026 |
| Instrument | 202638130 |
| Transaction Type | Mortgage |
| Record Updated | Sep 11, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 3604 WATERSCAPE TER, ELGIN, IL 60124-3128 |
| Document Number | 0000038130, |
|---|---|
| Date | Sep 2, 2026 |
| Instrument | 202638130 |
| Name | BAXTER CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Aug 30, 2036 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 3604 WATERSCAPE TER, ELGIN, IL 60124-3128 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000008482 |
|---|---|
| Date | Mar 15, 2024 |
| Instrument | 2024K008482 |
| Name | ILLINOIS BANK & TRUST |
|---|---|
| Type | Bank |
| Address | 61167 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 3604 WATERSCAPE TER, ELGIN, IL 60124-3128 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000007660 |
|---|---|
| Date | Mar 13, 2023 |
| Instrument | 2023K007660 |
| Name | ILLINOIS BANK & TRUST |
|---|---|
| Type | Bank |
| Address | ROCKFORD, IL 61107 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 8.75% |
| Min Rate At Change | 4% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Apr 20, 2022 |
| Property Address | 3604 WATERSCAPE TER, ELGIN, IL 60124-3128 |
| Document Number | 0000021281 |
| Map Reference | DOC 2006K12084 |
| Instrument Date | Apr 11, 2022 |
| Instrument | 2022K021281 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $223.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1751 W DIEHL RD, 1751, NAPERVILLE, IL 60563-1840 |
| Name | Verified Name |
|---|---|
| Address | 1827 E LINCOLN HWY # 1, 1, DEKALB, IL 60115-3958 |
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 |
|---|---|---|---|
| 2025 | $11,783.00 (+84,064.29%) | ||
| 2024 | $44,220 (+29,38%) Land $44,220 | $132,713 (+29,391.78%) Land $132,713 | |
| 2022 | $14.00 | $150 (+3.45%) Land $150 | $450 (+3.45%) Land $450 |
| 2021 | $145 Land $145 | $435 Land $435 |
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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