627 Waterside Dr, South Elgin, IL 60177 Property Records

Kane County property record for 627 Waterside Dr, South Elgin, IL 60177

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,965 sqft · built 2002
Lot Size	0.23 acres (10,000 sqft)
Owner	Individual Name on Record
Last Sale	$420,000 (Dec 2020)
Tax Bill	$13,887 (2025)
Deeds & Mortgages	Jan 2018 Mortgage Sep 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-05-182-005`

Property Details

APN / Parcel Number

Primary APN	`09-05-182-005`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,965 sqft Living Area
Basement Area	1,087 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	10,000 sqft (0.23 acres)
Garage Type	Attached
Garage Area	636 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	627 WATERSIDE DR
City	SOUTH ELGIN
State	IL
Zip	60177-3717
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 339 IN THORNWOOD PHASE 4A, BEING A PART OF SECTION 5, 40 NORTH RANGE 8 EAST OF THE THIRD PRINCIPAL MERIDIAN, ACCORDING TO THE PLAT THEREOF AUGUST 3, 1999 AS DOCUMENT 1999K076099 IN THE VILLAGE OF SOUTH ELGIN, KANE COUNTY, ILLINOIS
Legal Subdivision	THORNWOOD
Legal Phase	4A
Legal Block	5
Legal Lot Number	339
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	5
Census Block	5012
Census Tract	852101

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	Individual Name on Record
Mailing Address	627 WATERSIDE DR, SOUTH ELGIN, IL 60177-3717
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2018	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Sep 18, 2017	Deed of Trust, Mortgage · Commercial Mortgage JPMORGAN CHASE BANK NA
Dec 11, 2020	Warranty Deed, Transfer · Conventional Mortgage PLANET HOME LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 11, 2020 · Amount on Record
Deed Sale	Dec 11, 2020 · Amount on Record
Prior Sale	Jul 31, 2002 · Amount on Record
Deed Document Number	202077282
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	627 WATERSIDE DR, SOUTH ELGIN, IL 60177-3717
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001465
Date	Jan 9, 2018
Instrument	2018K001465

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	627 WATERSIDE DR, SOUTH ELGIN, IL 60177-3717
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000048761
Date	Sep 18, 2017
Instrument	2017K048761

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 18, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Dec 11, 2020
Property Address	627 WATERSIDE DR, SOUTH ELGIN, IL 60177-3717
Document Number	0000077282
Map Reference	DOC 1999K076099
Instrument Date	Oct 15, 2020
Instrument	2020K077282
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	PROPER TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$420.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	627 WATERSIDE DR, 627, SOUTH ELGIN, IL 60177-3717

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	627 WATERSIDE DR, SOUTH ELGIN, IL 60177-3717

Mortgage

Document Number	0000077283
Date	Dec 11, 2020
Instrument	2020K077283

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.87%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	St. Charles Township
Municipality	South Elgin Village
Unified School District	St. Charles Community Unit School District 303 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$13,887.00 (+15.18%) Homeowner's exemption	$190,622 (+8.53%) Land $32,333 Building $158,289	$572,095 (+8.53%) Land $97,038 Building $475,057
2024		$175,640 (+21.95%) Land $29,792 Building $145,848	$527,131 (+22%) Land $89,412 Building $437,719
2022	$12,057.00 (+4.11%) Homeowner's exemption	$144,025 (+4.91%) Land $26,563 Building $117,462	$432,075 (+4.91%) Land $79,689 Building $352,386
2021	$11,581.00 Homeowner's exemption	$137,285 Land $25,320 Building $111,965	$411,855 Land $75,960 Building $335,895

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	2 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	SOUTH ELGIN serves 23,648 people · EPA ID IL0890800
Water Source	Groundwater
Last State Inspection	Apr 2024
Lead	1 ppb (2026) action level 15 ppb
Copper	1.5 mg/L (2024) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	Barium not recorded as resolved · Apr 2026
Treatment and Procedure	Corrosion control Jul 2025
Monitoring and Reporting	5 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 428 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: Fox Valley Internet.

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