610 Waterfall Ln, Elgin, IL 60124 Property Records

Kane County property record for 610 Waterfall Ln, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,862 sqft · built 1990
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on File
Last Sale	$264,000 (Dec 2019)
Tax Bill	$9,264 (2025)
Deeds & Mortgages	Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-21-352-052`

Property Details

APN / Parcel Number

Primary APN	`06-21-352-052`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,862 sqft Living Area
Gross Area	2,668 sqft
Basement Area	806 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Colonial
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	137 ft deep x 67 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	610 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 84
Legal Subdivision	WOODBRIDGE NORTH
Legal Block	1
Legal Lot Number	84
Legal Unit	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1001
Census Tract	851913

Owner

Source: Kane County assessment roll, as of August 25, 2025

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 File
Mailing Address	610 WATERFALL LN, ELGIN, IL 60124-6882
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 2, 2019 · Amount on Record
Deed Sale	Dec 2, 2019 · Amount on Record
Prior Sale	Dec 23, 2005 · Amount on Record
Deed Document Number	201957980
Record Updated	Sep 20, 2026

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Dec 2, 2019
Property Address	610 WATERFALL LN, ELGIN, IL 60124-6882
Document Number	0000057980
Instrument Date	Nov 18, 2019
Instrument	2019K057980
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	PRIMARY TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$264.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	610 WATERFALL LN, ELGIN, IL 60124-6882

Mortgage

Document Number	0000057981
Date	Dec 2, 2019
Instrument	2019K057981

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

Interest

Rate Type	Fixed Rate
Rate	3.99%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of August 25, 2025

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	$9,264.00 (+7.66%) Homeowner's exemption
2024		$116,330 (+21.39%) Land $28,317 Building $88,013	$349,130 (+21.44%) Land $84,985 Building $264,145
2022	$8,605.00 (+3.5%) Homeowner's exemption	$95,828 (+6.96%) Land $23,326 Building $72,502	$287,484 (+6.96%) Land $69,978 Building $217,506
2021	$8,314.00 Homeowner's exemption	$89,592 Land $21,808 Building $67,784	$268,776 Land $65,424 Building $203,352

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

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
Radiate Holdings Cable	1,500 / 50
AT&T Fiber	1,000 / 1,000
Opiquad Fixed Wireless	100 / 20

May also be available: T-Mobile USA, Verizon.

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