Kane County property record for 651 Waterside Dr, South Elgin, IL 60177
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 2,904 sqft · built 2001 |
| Lot Size | 0.231 acres (10,077 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $340,000 (Oct 2001) |
| Tax Bill | $12,195 (2025) |
| Deeds & Mortgages | Sep 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-05-182-009 |
| Primary APN | 09-05-182-009 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,904 sqft Living Area |
| Basement Area | 877 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 10,077 sqft (0.231 acres) |
| Garage Type | Attached |
| Garage Area | 456 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 651 WATERSIDE DR |
|---|---|
| City | SOUTH ELGIN |
| State | IL |
| Zip | 60177-3717 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 336 IN THORNWOOD PHASE 4A |
| Legal Subdivision | THORNWOOD |
| Legal Phase | 4A |
| Legal Block | 5 |
| Legal Lot Number | 336 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 5 |
| Census Block | 5012 |
| Census Tract | 852101 |
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 | 651 WATERSIDE DR, SOUTH ELGIN, IL 60177-3717 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 3, 2001 · Amount on Record |
| Deed Sale | Oct 3, 2001 · Amount on Record |
| Deed Document Number | 2001102745 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 651 WATERSIDE DR, SOUTH ELGIN, IL 60177-3717 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000068843 |
|---|---|
| Date | Sep 9, 2021 |
| Instrument | 2021K068843 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 1, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Kane County assessment roll, as of August 25, 2025
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $12,195.00 (+10.09%) Homeowner's exemption Senior Citizen's exemption | ||
| 2024 | $162,504 (+22.36%) Land $29,792 Building $132,712 | $487,707 (+22.41%) Land $89,412 Building $398,295 | |
| 2022 | $11,077.00 (+4.13%) Homeowner's exemption | $132,804 (+4.91%) Land $26,563 Building $106,241 | $398,412 (+4.91%) Land $79,689 Building $318,723 |
| 2021 | $10,638.00 Homeowner's exemption | $126,589 Land $25,320 Building $101,269 | $379,767 Land $75,960 Building $303,807 |
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.
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.
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 | 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 |
| 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.
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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