Kane County property record for 3632 Waterscape Ter, Elgin, IL 60124
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,052 sqft · built 2008 |
| Lot Size | 0.39 acres (16,988 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $390,000 (Aug 2019) |
| Tax Bill | $14,012 (2025) |
| Deeds & Mortgages | Sep 2023 Line of Credit Nov 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-01-372-007 |
| Primary APN | 05-01-372-007 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,052 sqft Living Area |
| Basement Area | 1,539 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Lot Area | 16,988 sqft (0.39 acres) |
| Garage Area | 484 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Cooling System | Central |
|---|
| Street Address | 3632 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 257 |
| Legal Subdivision | HIGHLAND WOODS |
| Legal Block | 2 |
| Legal Lot Number | 257 |
| 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 | 3632 WATERSCAPE TER, ELGIN, IL 60124-3128 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Sep 11, 2023 | Deed of Trust, Mortgage · Line of Credit KANE COUNTY TEACHERS CU |
| Nov 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC |
| Sep 8, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Aug 26, 2019 | Warranty Deed, Transfer · FHA Mortgage PLAZA HOME MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 26, 2019 · Amount on Record |
| Deed Sale | Aug 26, 2019 · Amount on Record |
| Prior Sale | Nov 14, 2012 · Amount on Record |
| Deed Document Number | 201938808 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 3632 WATERSCAPE TER, ELGIN, IL 60124-3128 |
| Transaction Type | Mortgage |
| Record Updated | Sep 19, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000031436 |
|---|---|
| Date | Sep 11, 2023 |
| Instrument | 2023K031436 |
| Name | KANE COUNTY TEACHERS CU |
|---|---|
| Type | Credit Union |
| Address | ELGIN, IL 60123 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 10, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 3632 WATERSCAPE TER, ELGIN, IL 60124-3128 |
| Transaction Type | Mortgage |
| Record Updated | Dec 8, 2021 |
| Title Company | NOT AVAILABLE, CT |
| Name | Verified Name |
|---|
| Document Number | 0000088873 |
|---|---|
| Date | Nov 29, 2021 |
| Instrument | 2021K088873 |
| Name | PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC |
|---|---|
| Type | Mortgage Company |
| Address | CORONA, CA 92879 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 3632 WATERSCAPE TER, ELGIN, IL 60124-3128 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CHICAGO TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000051048 |
|---|---|
| Date | Sep 8, 2020 |
| Instrument | 2020K051048 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Aug 26, 2019 |
| Property Address | 3632 WATERSCAPE TER, ELGIN, IL 60124-3128 |
| Document Number | 0000038808 |
| Map Reference | DOC 2006K120185 |
| Instrument Date | Aug 14, 2019 |
| Instrument | 2019K038808 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $390.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 3632 WATERSCAPE TER, ELGIN, IL 60124-3128 |
| Document Number | 0000038809 |
|---|---|
| Date | Aug 26, 2019 |
| Instrument | 2019K038809 |
| Name | PLAZA HOME MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.87% |
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 | $14,012.00 (+19.28%) Homeowner's exemption | $191,126 (+15.36%) Land $35,749 Building $155,377 | $573,607 (+15.36%) Land $107,290 Building $466,318 |
| 2024 | $165,683 (+27.34%) Land $33,165 Building $132,518 | $497,248 (+27.39%) Land $99,535 Building $397,713 | |
| 2022 | $11,747.00 (-0.51%) Homeowner's exemption | $130,108 (+3.51%) Land $32,035 Building $98,073 | $390,324 (+3.51%) Land $96,105 Building $294,219 |
| 2021 | $11,807.00 Homeowner's exemption | $125,696 Land $30,949 Building $94,747 | $377,088 Land $92,847 Building $284,241 |
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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