Kane County property record for 3634 Waterscape Ter, Elgin, IL 60124
| Property Type | Single Family Home |
|---|---|
| Details | built 2019 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $400,000 (Apr 2020) |
| Tax Bill | $14,629 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Apr 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-01-371-008 |
| Primary APN | 05-01-371-008 |
|---|
| Year Built | Built 2019 |
|---|---|
| Lot Area | 13,068 sqft (0.3 acres) |
| Street Address | 3634 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 258 |
| Legal Subdivision | HIGHLAND WOODS |
| Legal Block | 2 |
| Legal Lot Number | 258 |
| Jurisdiction | KANE IL |
| Township / Civil Division | PLATO |
| Census Block Group | 2 |
| Census Block | 2071 |
| Census Tract | 850711 |
Source: Kane County records, as of September 22, 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 | 3634 WATERSCAPE TER, ELGIN, IL 60124-3128 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Mar 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Apr 8, 2020 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage CALIBER HM LOANS |
| Aug 29, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 8, 2020 · Amount on Record |
| Deed Sale | Apr 8, 2020 · Amount on Record |
| Prior Sale | Dec 29, 2011 · Amount on Record |
| Deed Document Number | 202017458 |
| Prior Transfer Date | May 28, 2018 |
| Prior Transfer Doc | 0000042456 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 3634 WATERSCAPE TER, ELGIN, IL 60124-3128 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2022 |
| Title Company | LAKESHORE TITLE AGENCY |
| Name | Verified Name |
|---|
| Document Number | 0000021683 |
|---|---|
| Date | Mar 19, 2021 |
| Instrument | 2021K021683 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Apr 8, 2020 |
| Property Address | 3634 WATERSCAPE TER, ELGIN, IL 60124-3128 |
| Document Number | 0000017458 |
| Instrument Date | Mar 25, 2020 |
| Instrument | 17458 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jun 24, 2020 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $600.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 247 BUTLER DR BARTLETT IL 601031343, BARTLETT, IL 60103-1343 |
| Document Number | 17459 |
|---|---|
| Date | Apr 8, 2020 |
| Instrument | 17459 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 7, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Aug 29, 2018 |
| Property Address | 3634 WATERSCAPE TER, ELGIN, IL 60124-3128 |
| Document Number | 0000042456 |
| Instrument Date | Aug 16, 2018 |
| Instrument | 42456 |
| Transaction Type | Transfer |
| Record Updated | Sep 10, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1751A W DIEHL RD NAPERVILLE IL 605631885, NAPERVILLE, IL 60563-1885 |
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 | $14,629.00 (+13.96%) Homeowner's exemption | $204,599 (+9.8%) Land $35,749 Building $168,850 | $614,043 (+9.8%) Land $107,290 Building $506,753 |
| 2024 | $186,341 (+31.57%) Land $33,165 Building $153,176 | $559,247 (+31.63%) Land $99,535 Building $459,712 | |
| 2022 | $12,837.00 (-0.53%) Homeowner's exemption | $141,625 (+3.51%) Land $32,035 Building $109,590 | $424,875 (+3.51%) Land $96,105 Building $328,770 |
| 2021 | $12,905.00 Homeowner's exemption | $136,823 Land $30,949 Building $105,874 | $410,469 Land $92,847 Building $317,622 |
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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