620 Waterfall Ln, Elgin, IL 60124 Property Records

Kane County property record for 620 Waterfall Ln, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,292 sqft · built 1990
Lot Size	0.225 acres (9,800 sqft)
Owner	Individual Name on File
Last Sale	$463,500 (Aug 2026)
Tax Bill	$10,672 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-21-352-047`

Property Details

APN / Parcel Number

Primary APN	`06-21-352-047`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,292 sqft Living Area
Gross Area	3,308 sqft
Basement Area	1,016 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	9,800 sqft (0.225 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	620 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 79
Legal Subdivision	WOODBRIDGE NORTH
Legal Block	1
Legal Lot Number	79
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 September 2, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	620 WATERFALL LN, ELGIN, IL 60124-6882
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2026	Warranty Deed, Transfer · Conventional Mortgage BANK NATIONAL ASSOCIATION
Aug 2, 2021	Quit Claim Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 25, 2026 · Amount on File
Deed Sale	Aug 25, 2026 · Amount on File
Prior Sale	May 30, 1996 · Amount on File
Deed Document Number	202636656
Prior Transfer Date	Apr 19, 1996
Prior Transfer Doc	0000039163
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 25, 2026
Property Address	620 WATERFALL LN, ELGIN, IL 60124-6882
Document Number	0000036656
Instrument Date	Aug 19, 2026
Instrument	202636656
Transaction Type	Transfer
Record Updated	Sep 2, 2026
Title Company	ALLIANCE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$70,220.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 WATERFALL LN, ELGIN, IL 60124-6882

Mortgage

Document Number	0000036657,
Date	Aug 25, 2026
Instrument	202636657

Lender

Name	BANK NATIONAL ASSOCIATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.75%
Initial Type	Fixed Rate
Max Rate	-1%

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Aug 2, 2021
Property Address	620 WATERFALL LN, ELGIN, IL 60124-6882
Document Number	0000058666
Map Reference	DOC 90K45547
Instrument Date	Jul 5, 2021
Instrument	2021K058666
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	CITYWIDE TITLE CORPORATION, CITYWIDE TITLE CORP

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	620 WATERFALL LN, ELGIN, IL 60124-6882

Mortgage

Document Number	0000058667
Date	Aug 2, 2021
Instrument	2021K058667

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Jun 1, 2051

Interest

Rate	3.12%

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	$10,672.00 (-2.68%) Homeowner's exemption	$144,275 (+8.57%) Land $30,744 Building $113,531	$432,998 (+8.57%) Land $92,269 Building $340,729
2024	$10,966.00 (+10.63%)	$132,886 (+21.39%) Land $28,317 Building $104,569	$398,818 (+21.44%) Land $84,985 Building $313,833
2022	$9,912.00 (+3.43%) Homeowner's exemption	$109,466 (+6.96%) Land $23,326 Building $86,140	$328,398 (+6.96%) Land $69,978 Building $258,420
2021	$9,583.00 Homeowner's exemption	$102,343 Land $21,808 Building $80,535	$307,029 Land $65,424 Building $241,605

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	Low lower than 98% of the US · lower than 86% 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.

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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