623 Waterfall Ln, Elgin, IL 60124 Property Records

Kane County property record for 623 Waterfall Ln, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,022 sqft · built 1994
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on Record
Last Sale	$210,000 (Jun 2014)
Tax Bill	$9,441 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-21-353-003`

Property Details

APN / Parcel Number

Primary APN	`06-21-353-003`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,022 sqft Living Area
Gross Area	2,632 sqft
Basement Area	610 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	122 ft deep x 169 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	623 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 105
Legal Subdivision	WOODBRIDGE NORTH
Legal Block	1
Legal Lot Number	105
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 21, 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	623 WATERFALL LN, ELGIN, IL 60124-6883
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CORP
Nov 26, 2019	Quit Claim Deed, Transfer · Conventional Mortgage GUARANTEED RATE
Nov 16, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 12, 2014 · Amount on Record
Deed Sale	Jun 12, 2014 · Amount on Record
Prior Sale	Nov 13, 2006 · Amount on Record
Deed Document Number	201428187
Last Transfer Date	Oct 28, 2017
Transfer Doc	0000060243
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	623 WATERFALL LN, ELGIN, IL 60124-6883
Transaction Type	Mortgage
Record Updated	Apr 8, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024929
Date	Mar 31, 2021
Instrument	2021K024929

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company
Address	AURORA, IL 60506

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	2.75%

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Nov 26, 2019
Property Address	623 WATERFALL LN, ELGIN, IL 60124-6883
Document Number	0000057399
Instrument Date	Nov 11, 2019
Instrument	57399
Transaction Type	Transfer
Record Updated	Dec 10, 2019
Title Company	RAVENSWOOD TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	623 WATERFALL LN ELGIN IL 601246883, ELGIN, IL 60124-6883

Mortgage

Document Number	57400
Date	Nov 26, 2019
Instrument	57400

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 25, 2039

Interest

Rate Type	Fixed Rate
Rate	3.62%

November 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Nov 16, 2017
Property Address	623 WATERFALL LN, ELGIN, IL 60124-6883
Document Number	0000060243
Instrument Date	Oct 28, 2017
Instrument	2017K060243
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	NATIONAL TITLE SOLUTIONS INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	623 WATERFALL LN, ELGIN, IL 60124-6883

Mortgage

Document Number	0000060244
Date	Nov 16, 2017
Instrument	2017K060244

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

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	$9,441.00 (+7.66%) Homeowner's exemption
2024		$118,410 (+21.4%) Land $28,317 Building $90,093	$355,372 (+21.44%) Land $84,985 Building $270,387
2022	$8,769.00 (+3.48%) Homeowner's exemption	$97,541 (+6.96%) Land $23,326 Building $74,215	$292,623 (+6.96%) Land $69,978 Building $222,645
2021	$8,474.00 Homeowner's exemption	$91,194 Land $21,808 Building $69,386	$273,582 Land $65,424 Building $208,158

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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