657 Waterside Dr, South Elgin, IL 60177 Property Records

Kane County property record for 657 Waterside Dr, South Elgin, IL 60177

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 3,373 sqft · built 2001
Lot Size	0.264 acres (11,481 sqft)
Owner	2 Individual Names on Record
Last Sale	$385,000 (May 2013)
Tax Bill	$15,277 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Nov 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`09-05-182-010`

Property Details

APN / Parcel Number

Primary APN	`09-05-182-010`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,373 sqft Living Area
Basement Area	1,329 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
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	11,481 sqft (0.264 acres)
Garage Type	Attached
Garage Area	651 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	657 WATERSIDE DR
City	SOUTH ELGIN
State	IL
Zip	60177-3717
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 335 IN THORNWOOD PHASE 4A, IN THE VILLAGE OF SOUTH ELGIN.
Legal Subdivision	THORNWOOD
Legal Phase	4A
Legal Block	5
Legal Lot Number	335
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 23, 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	657 WATERSIDE DR, SOUTH ELGIN, IL 60177-3717
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage KANE COUNTY TEACHERS CU
Nov 4, 2020	Deed of Trust, Mortgage · Line of Credit KANE COUNTY TEACHERS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 21, 2013 · Amount on Record
Deed Sale	May 21, 2013 · Amount on Record
Prior Sale	May 29, 2001 · Amount on Record
Deed Document Number	201337249
Prior Transfer Date	Mar 20, 2007
Prior Transfer Doc	0000036241
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	657 WATERSIDE DR, SOUTH ELGIN, IL 60177-3717
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	HALLMARK TITLE, HALLMARK TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021673
Date	Mar 19, 2021
Instrument	2021K021673

Lender

Name	KANE COUNTY TEACHERS CU
Type	Credit Union
Address	ELGIN, IL 60123

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2031

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	657 WATERSIDE DR, SOUTH ELGIN, IL 60177-3717
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000067233
Date	Nov 4, 2020
Instrument	2020K067233

Lender

Name	KANE COUNTY TEACHERS CU
Type	Credit Union
Address	ELGIN, IL 60123

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Nov 3, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Kane County assessment roll, as of July 23, 2026

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	$15,277.00 (+17.56%) Homeowner's exemption	$208,902 (+8.53%) Land $32,333 Building $176,569	$626,957 (+8.53%) Land $97,038 Building $529,919
2024		$192,483 (+24.38%) Land $29,792 Building $162,691	$577,680 (+24.43%) Land $89,412 Building $488,268
2022	$12,995.00 (+4.09%) Homeowner's exemption	$154,758 (+4.91%) Land $26,563 Building $128,195	$464,274 (+4.91%) Land $79,689 Building $384,585
2021	$12,484.00 Homeowner's exemption	$147,515 Land $25,320 Building $122,195	$442,545 Land $75,960 Building $366,585

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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