Kane County property record for 3630 Waterscape Ter, Elgin, IL 60124
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $422,500 (Mar 2015) |
| Tax Bill | $14,109 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-01-372-008 |
| Primary APN | 05-01-372-008 |
|---|
| Lot Area | 13,504 sqft (0.31 acres) |
|---|
| Street Address | 3630 WATERSCAPE TER |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60124-3128 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HIGHLAND WOODS NEIGHBORHOOD H LT 256 |
| Legal Subdivision | HIGHLAND WOODS |
| Legal Block | 2 |
| Legal Lot Number | 256 |
| Jurisdiction | KANE IL |
| Township / Civil Division | PLATO |
| Census Block Group | 2 |
| Census Block | 2071 |
| Census Tract | 850711 |
Source: Kane County records, as of July 23, 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 | 3630 WATERSCAPE TER, ELGIN, IL 60124-3128 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 12, 2015 · Amount on Record |
| Deed Sale | Mar 12, 2015 · Amount on Record |
| Prior Sale | Sep 4, 2014 · Amount on Record |
| Deed Document Number | 201512097 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 3630 WATERSCAPE TER, ELGIN, IL 60124-3128 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000060977 |
|---|---|
| Date | Oct 14, 2020 |
| Instrument | 2020K060977 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10271 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.25% |
Source: Kane County assessment roll, as of July 23, 2026
| 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 | $14,109.00 (+13.58%) Homeowner's exemption | $198,128 (+13.53%) Land $35,749 Building $162,379 | $594,622 (+13.53%) Land $107,290 Building $487,332 |
| 2024 | $174,509 (+22.85%) Land $33,165 Building $141,344 | $523,736 (+22.9%) Land $99,535 Building $424,202 | |
| 2022 | $12,422.00 (-0.52%) Homeowner's exemption | $142,049 (+7.14%) Land $32,035 Building $110,014 | $426,147 (+7.14%) Land $96,105 Building $330,042 |
| 2021 | $12,487.00 Homeowner's exemption | $132,585 Land $30,949 Building $101,636 | $397,755 Land $92,847 Building $304,908 |
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 99.1% of the US · lower than 94% 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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