608 Waterfall Ln, Elgin, IL 60124 Property Records

Kane County property record for 608 Waterfall Ln, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,976 sqft · built 1997
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$297,000 (Jan 2021)
Tax Bill	$9,650 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Jan 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-21-352-053`

Property Details

APN / Parcel Number

Primary APN	`06-21-352-053`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,976 sqft Living Area
Gross Area	2,756 sqft
Basement Area	780 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	608 WATERFALL LN
City	ELGIN
State	IL
Zip	60124-6882
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOODBRIDGE NORTH UNIT 1 LOT 85
Legal Subdivision	WOODBRIDGE NORTH
Legal Block	1
Legal Lot Number	85
Legal Unit	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1001
Census Tract	851913

Owner

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	Individual Name on Record
Mailing Address	608 WATERFALL LN, ELGIN, IL 60124-6882
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST ILLINOIS MORTGAGE INC
Jan 11, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST ILLINOIS MORTGAGE INC
May 8, 2018	Warranty Deed, Transfer · Conventional Mortgage HOMETRUST MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 11, 2021 · Amount on Record
Deed Sale	Jan 11, 2021 · Amount on Record
Prior Sale	May 8, 2018 · Amount on Record
Deed Document Number	20212145
Prior Transfer Date	Jul 23, 1997
Prior Transfer Doc	0000061454
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	608 WATERFALL LN, ELGIN, IL 60124-6882
Transaction Type	Mortgage
Record Updated	Mar 16, 2021
Title Company	DUKANE TITLE, DUKANE TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014574
Date	Feb 24, 2021
Instrument	2021K014574

Lender

Name	FIRST ILLINOIS MORTGAGE INC
Type	Mortgage Company
Address	GLEN ELLYN, IL 60137

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

Interest

Rate	2.5%

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 11, 2021
Property Address	608 WATERFALL LN, ELGIN, IL 60124-6882
Document Number	0000002145
Instrument Date	Dec 18, 2020
Instrument	2021K002145
Transaction Type	Transfer
Record Updated	Jul 27, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$297.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	608 WATERFALL LN, ELGIN, IL 60124-6882

Mortgage

Document Number	0000002146
Date	Jan 11, 2021
Instrument	2021K002146

Lender

Name	FIRST ILLINOIS MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Sep 1, 2050

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 8, 2018
Property Address	608 WATERFALL LN, ELGIN, IL 60124-6882
Document Number	0000021196
Instrument Date	Apr 20, 2018
Instrument	2018K021196
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CHICAGO TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$260.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	608 WATERFALL LN, ELGIN, IL 60124-6882

Mortgage

Document Number	0000021197
Date	May 8, 2018
Instrument	2018K021197

Lender

Name	HOMETRUST MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2048

Tax Assessment & Valuation

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	Elgin Township
Municipality	Elgin City
Unified School District	Central Community Unit School District 301 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,650.00 (+7.66%) Homeowner's exemption	$131,226 (+8.57%) Land $30,744 Building $100,482	$393,836 (+8.57%) Land $92,269 Building $301,567
2024		$120,867 (+21.39%) Land $28,317 Building $92,550	$362,746 (+21.44%) Land $84,985 Building $277,761
2022	$8,963.00 (+3.47%) Homeowner's exemption	$99,566 (+6.96%) Land $23,326 Building $76,240	$298,698 (+6.96%) Land $69,978 Building $228,720
2021	$8,662.00 Homeowner's exemption	$93,087 Land $21,808 Building $71,279	$279,261 Land $65,424 Building $213,837

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.

Flood

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	1 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 422 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
AT&T Fiber	1,000 / 1,000
Fox Valley Internet Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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