Cook County property record for 650 Waverly Dr, Apt B, Elgin, IL 60120
| Property Type | Condominium |
|---|---|
| Details | 1 bd · 1,054 sqft · built 1990 |
| Lot Size | 5.28 acres (230,369 sqft) |
| Owner | Individual Name on File |
| Last Sale | $112,500 (May 2003) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-07-313-045-1042 |
| Primary APN | 06-07-313-045-1042 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Units | 8 Units |
| Building Area | 1,054 sqft Living Area |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Condo/Apartment |
| Lot Area | 230,369 sqft |
| Street Address | 650 WAVERLY DR, B |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-4093 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | (WAVERLY) (COMMONS) CONDOMINIUM IN SEC 07-41-09 |
| Legal Range | 09E |
| Legal Township | 41N |
| Legal Section | 07 |
| Legal Subdivision | WAVERLY COMMONS CONDOMINIUM |
| Legal Lot Number | 1,2 |
| Jurisdiction | COOK IL |
| Township / Civil Division | HANOVER |
| Census Block Group | 4 |
| Census Block | 4022 |
| Census Tract | 804403 |
650 Waverly Dr, Apt B is owned and occupied by an individual who acquired it in November 2003.
Source: Cook County records, as of September 24, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 650 WAVERLY DR, B, ELGIN, IL 60120-4093 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 15, 2003 · Amount on File |
| Deed Sale | May 15, 2003 · Amount on File |
| Prior Sale | Oct 5, 1999 · Amount on File |
| Deed Document Number | 200351094 |
| Last Transfer Date | Nov 26, 2003 |
| Transfer Doc | 0000048207 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | Sep 17, 2026 |
| Property Address | 650 WAVERLY DR, ELGIN, IL 60120-4093 |
| Document Number | 0000031199 |
| Instrument Date | Aug 26, 2026 |
| Instrument | 202631199 |
| Transaction Type | Transfer |
| Record Updated | Sep 24, 2026 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $33,027.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 717 BLUEBELL LN, PINGREE GROVE, IL 60140-9154 |
| Document Number | 0000031200, |
|---|---|
| Date | Sep 17, 2026 |
| Instrument | 202626031200 |
| Name | AMERICAN PACIFIC MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.88% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
Source: Cook County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Cook County |
| County Subdivision | Hanover Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $16,017 Land $2,059 Building $13,958 | $160,170 Land $20,590 Building $139,580 | |
| 2022 | Homeowner's exemption | $12,414 Land $1,911 Building $10,503 | $124,140 Land $19,110 Building $105,030 |
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.
FEMA maps place 650 Waverly Dr, Apt B in Zone X, an area of minimal flood risk.
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.
The area around 650 Waverly Dr, Apt B 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 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 |
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