Kane County property record for 610 Waterford Rd, Elgin, IL 60124
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,148 sqft · built 2009 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $283,000 (Apr 2009) |
| Tax Bill | $12,112 (2025) |
| Deeds & Mortgages | Sep 2022 Mortgage Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-20-353-016 |
| Primary APN | 06-20-353-016 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 3,148 sqft Living Area |
| Gross Area | 4,594 sqft |
| Basement Area | 1,446 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Construction Type | Frame |
| Lot Area | 10,019 sqft (0.23 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|
| Street Address | 610 WATERFORD RD |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60124-4355 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WATERFORD SUB NEIGHBORHOOD 6 LOT 360 |
| Legal Subdivision | WATERFORD SUB |
| Legal Block | 3 |
| Legal Lot Number | 360 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 3 |
| Census Block | 3035 |
| Census Tract | 851913 |
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 | 610 WATERFORD RD, ELGIN, IL 60124-4355 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Sep 7, 2022 | Deed of Trust, Mortgage IAA CU |
| Sep 8, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GREAT LAKES HOME MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 9, 2009 · Amount on Record |
| Deed Sale | Apr 9, 2009 · Amount on Record |
| Deed Document Number | 200926667 |
| Last Transfer Date | Apr 25, 2016 |
| Transfer Doc | 0000026333 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 610 WATERFORD RD, ELGIN, IL 60124-4355 |
| Transaction Type | Mortgage |
| Record Updated | Sep 13, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000044682 |
|---|---|
| Date | Sep 7, 2022 |
| Instrument | 2022K044682 |
| Name | IAA CU |
|---|---|
| Type | Credit Union |
| Address | BLOOMINGTON, IL 61702 |
| Amount | Amount Recorded |
|---|---|
| Term | 120 Months |
| Due | Aug 31, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 610 WATERFORD RD, ELGIN, IL 60124-4355 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CHICAGO TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000051053 |
|---|---|
| Date | Sep 8, 2020 |
| Instrument | 2020K051053 |
| Name | GREAT LAKES HOME MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | LIBERTYVILLE, IL 60048 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 1, 2035 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.75% |
Source: Kane County assessment roll, as of July 23, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $12,112.00 (+7.68%) Homeowner's exemption | $162,659 (+8.57%) Land $43,240 Building $119,419 | $488,172 (+8.57%) Land $129,772 Building $358,400 |
| 2024 | $149,820 (+21.39%) Land $39,827 Building $109,993 | $449,640 (+21.44%) Land $119,529 Building $330,111 | |
| 2022 | $11,248.00 (+3.38%) Homeowner's exemption | $123,416 (+6.96%) Land $32,808 Building $90,608 | $370,248 (+6.96%) Land $98,424 Building $271,824 |
| 2021 | $10,880.00 Homeowner's exemption | $115,385 Land $30,673 Building $84,712 | $346,155 Land $92,019 Building $254,136 |
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 | 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 74% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 299 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 · DSL in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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