650 Waverly Dr, Apt A, Elgin, IL 60120 Property Records

Cook County property record for 650 Waverly Dr, Apt A, Elgin, IL 60120

Property Summary

Property Type	Condominium
Details	2 bd · 1,100 sqft · built 1990
Lot Size	5.28 acres (230,369 sqft)
Owner	Individual Name on File
Last Sale	$135,000 (Aug 2019)
Tax Bill	$3,773 (2023)
Deeds & Mortgages	Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-07-313-045-1041`

Property Details

APN / Parcel Number

Primary APN	`06-07-313-045-1041`

Interior

Bedrooms	2 Beds
Units	8 Units
Building Area	1,100 sqft Living Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Condo/Apartment
Lot Area	230,369 sqft

Location & Zoning

Street Address	650 WAVERLY DR, A
City	ELGIN
State	IL
Zip	60120-4093
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	UNIT 650-A PART WAVERLY COMMONS CON DO OF SEC07 T41N R09E 3P
Legal Range	9E
Legal Township	41N
Legal Section	07
Legal Subdivision	PART WAVERLY COMMONS CONDO
Jurisdiction	COOK IL
Township / Civil Division	HANOVER
Census Block Group	4
Census Block	4022
Census Tract	804403

Owner

Source: Cook County records, as of May 27, 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	650 WAVERLY DR, A, ELGIN, IL 60120-4093
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 22, 2019 · Amount on File
Deed Sale	Aug 22, 2019 · Amount on File
Prior Sale	Jul 7, 2015 · Amount on File
Deed Document Number	201941006
Record Updated	Oct 29, 2026

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Aug 22, 2019
Property Address	650 WAVERLY DR APT A, A, ELGIN, IL 60120-4093
Document Number	1923441006
Instrument Date	Jul 25, 2019
Instrument	23441006
Transaction Type	Transfer
Record Updated	Aug 29, 2019
Title Company	FIRST UNITED TITLE SERVICES IN, FIRST UNITED TITLE SVCS IN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$135.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	214 DARTMOUTH CT #B BLOOMINGDALE IL 601083612, B, BLOOMINGDALE, IL 60108-3612

Mortgage

Document Number	1923441007
Date	Aug 22, 2019
Instrument	23441007

Lender

Name	AMERICAN PORTFOLIO MTG
Type	Mortgage Company
Address	PALATINE, IL 60074

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 21, 2049

Interest

Rate Type	Fixed Rate
Rate	3.85%

Tax Assessment & Valuation

Source: Cook County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Cook County
County Subdivision	Hanover Township
Municipality	Elgin City
Unified School District	School District U-46 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$16,910 (+29.02%) Land $2,174 Building $14,736	$169,100 (+29.02%) Land $21,740 Building $147,360
2023	$3,773.00 (+2.92%)
2022	$3,666.00	$13,106 Land $2,018 Building $11,088	$131,060 Land $20,180 Building $110,880

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 February 11, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 416 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20