Kane County property record for 630 Waterfall Ln, Elgin, IL 60124
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,034 sqft · built 1994 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $184,000 (Jul 1997) |
| Tax Bill | $9,779 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Aug 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-21-352-042 |
| Primary APN | 06-21-352-042 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,034 sqft Living Area |
| Gross Area | 2,483 sqft |
| Basement Area | 449 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Lot Area | 10,890 sqft (0.25 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|
| Street Address | 630 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 74 |
| Legal Subdivision | WOODBRIDGE NORTH |
| Legal Block | 1 |
| Legal Lot Number | 74 |
| Legal Unit | 1 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 851913 |
630 Waterfall Ln is owned and occupied by two individuals who bought it in July 1997.
Source: Kane County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 630 WATERFALL LN, ELGIN, IL 60124-6882 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 1, 2021 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Aug 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 9, 1997 · Amount on File |
| Deed Sale | Jul 9, 1997 · Amount on File |
| Deed Document Number | 199744764 |
| Prior Transfer Date | May 16, 1997 |
| Prior Transfer Doc | 0000044764 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 630 WATERFALL LN, ELGIN, IL 60124-6882 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0000015701 |
|---|---|
| Date | Mar 1, 2021 |
| Instrument | 2021K015701 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 263 Months |
| Due | Feb 1, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 630 WATERFALL LN, ELGIN, IL 60124-6882 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000061581 |
|---|---|
| Date | Aug 12, 2021 |
| Instrument | 2021K061581 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
The 2025 property tax bill for 630 Waterfall Ln was $9,779 with a homeowner's exemption.
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 | $9,779.00 Homeowner's exemption | $132,868 (+8.57%) Land $30,744 Building $102,124 | $398,764 (+8.57%) Land $92,269 Building $306,495 |
| 2024 | $122,380 Land $28,317 Building $94,063 | $367,287 Land $84,985 Building $282,302 | |
| 2022 | $9,083.00 (+3.47%) Homeowner's exemption | $100,812 (+6.96%) Land $23,326 Building $77,486 | $302,436 (+6.96%) Land $69,978 Building $232,458 |
| 2021 | $8,778.00 Homeowner's exemption | $94,252 Land $21,808 Building $72,444 | $282,756 Land $65,424 Building $217,332 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 630 Waterfall Ln in Zone X, an area of minimal flood risk.
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.
The area around 630 Waterfall Ln has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 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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