645 Waterside Dr, South Elgin, IL 60177 Property Records

Kane County property record for 645 Waterside Dr, South Elgin, IL 60177

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 3,006 sqft · built 2001
Lot Size	0.244 acres (10,625 sqft)
Owner	2 Individual Names on Record
Last Sale	$415,000 (Dec 2017)
Tax Bill	$13,736 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-05-182-008`

Property Details

APN / Parcel Number

Primary APN	`09-05-182-008`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,006 sqft Living Area
Basement Area	1,258 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	10,625 sqft (0.244 acres)
Garage Type	Attached
Garage Area	692 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	645 WATERSIDE DR
City	SOUTH ELGIN
State	IL
Zip	60177-3717
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 337 IN THORWOOD PHASE 4A
Legal Subdivision	THORWOOD
Legal Phase	4A
Legal Block	5
Legal Lot Number	337
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 21, 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	645 WATERSIDE DR, SOUTH ELGIN, IL 60177-3717
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE INC
Dec 1, 2017	Warranty Deed, Transfer · Conventional Mortgage BBMC MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2017 · Amount on Record
Deed Sale	Dec 1, 2017 · Amount on Record
Prior Sale	Jul 14, 2014 · Amount on Record
Deed Document Number	201762787
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	645 WATERSIDE DR, SOUTH ELGIN, IL 60177-3717
Transaction Type	Mortgage
Record Updated	May 7, 2021
Title Company	CARRINGTON TITLE PARTNERS LLC, CARRINGTON TTL PARTNERS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033362
Date	Apr 28, 2021
Instrument	2021K033362

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	2.75%

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Dec 1, 2017
Property Address	645 WATERSIDE DR, SOUTH ELGIN, IL 60177-3717
Document Number	0000062787
Map Reference	DOC1999K076098
Instrument Date	Nov 21, 2017
Instrument	2017K062787
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$415.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	645 WATERSIDE DR, 645, SOUTH ELGIN, IL 60177-3717

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5225 W BYRON ST, CHICAGO, IL 60641-2550

Mortgage

Document Number	0000062788
Date	Dec 1, 2017
Instrument	2017K062788

Lender

Name	BBMC MORTGAGE LLC
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2047

Interest

Rate Type	Fixed Rate
Rate	3.87%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of August 25, 2025

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	$13,736.00 (+17.39%) Homeowner's exemption
2024		$173,806 (+24.19%) Land $29,792 Building $144,014	$521,627 (+24.24%) Land $89,412 Building $432,215
2022	$11,701.00 (+4.12%) Homeowner's exemption	$139,948 (+4.91%) Land $26,563 Building $113,385	$419,844 (+4.91%) Land $79,689 Building $340,155
2021	$11,238.00 Homeowner's exemption	$133,398 Land $25,320 Building $108,078	$400,194 Land $75,960 Building $324,234

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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