611 Waterfall Ln, Elgin, IL 60124 Property Records

Kane County property record for 611 Waterfall Ln, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,844 sqft · built 1996
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Jul 2022)
Tax Bill	$11,290 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-21-353-001`

Property Details

APN / Parcel Number

Primary APN	`06-21-353-001`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,844 sqft Living Area
Gross Area	3,972 sqft
Basement Area	1,128 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Traditional
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	611 WATERFALL LN
City	ELGIN
State	IL
Zip	60124-6883
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOODBRIDGE NORTH UNIT 1 LOT 103
Legal Subdivision	WOODBRIDGE NORTH
Legal Block	1
Legal Lot Number	103
Legal Unit	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1002
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	2 Individual Names on Record
Mailing Address	611 WATERFALL LN, ELGIN, IL 60124-6883
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage WATERMAN BANK
Jul 6, 2022	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2022 · Amount on Record
Deed Sale	Jul 6, 2022 · Amount on Record
Prior Sale	Jun 4, 2015 · Amount on Record
Deed Document Number	202234768
Prior Transfer Date	May 16, 1997
Prior Transfer Doc	0000044182
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	611 WATERFALL LN, ELGIN, IL 60124-6883
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003544
Date	Jan 19, 2022
Instrument	2022K003544

Lender

Name	WATERMAN BANK
Type	Bank
Address	WATERMAN, IL 60556

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.62%

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 6, 2022
Property Address	611 WATERFALL LN, ELGIN, IL 60124-6883
Document Number	0000034768
Map Reference	DOC 90K45547
Instrument Date	May 23, 2022
Instrument	2022K034768
Transaction Type	Transfer
Record Updated	Jul 12, 2022
Title Company	CITYWIDE TITLE CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
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	225 NICOLE DR UNIT F, F, SOUTH ELGIN, IL 60177-3615

Mortgage

Document Number	0000034769
Date	Jul 6, 2022
Instrument	2022K034769

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jun 1, 2052

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	$11,290.00 (+7.67%) Homeowner's exemption	$152,172 (+8.57%) Land $30,744 Building $121,428	$456,699 (+8.57%) Land $92,269 Building $364,430
2024		$140,160 (+21.39%) Land $28,317 Building $111,843	$420,648 (+21.44%) Land $84,985 Building $335,663
2022	$10,486.00 (+3.41%) Homeowner's exemption	$115,459 (+6.96%) Land $23,326 Building $92,133	$346,377 (+6.96%) Land $69,978 Building $276,399
2021	$10,140.00 Homeowner's exemption	$107,946 Land $21,808 Building $86,138	$323,838 Land $65,424 Building $258,414

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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