662 Waterside Dr, South Elgin, IL 60177 Property Records

Kane County property record for 662 Waterside Dr, South Elgin, IL 60177

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,990 sqft · built 2001
Lot Size	0.23 acres (10,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$422,000 (Jun 2015)
Tax Bill	$15,038 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Aug 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`09-05-184-002`

Property Details

APN / Parcel Number

Primary APN	`09-05-184-002`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,990 sqft Living Area
Basement Area	1,220 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	Gable
Roof Material	Asphalt
Lot Area	10,000 sqft (0.23 acres)
Garage Type	Attached
Garage Area	663 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	662 WATERSIDE DR
City	SOUTH ELGIN
State	IL
Zip	60177-3714
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 344 IN THORNWOOD PHASE 4A
Legal Subdivision	THORNWOOD
Legal Phase	4A
Legal Block	5
Legal Lot Number	344
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	5
Census Block	5013
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	662 WATERSIDE DR, SOUTH ELGIN, IL 60177-3714
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 17, 2022	Deed of Trust, Mortgage · Line of Credit LOWER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2015 · Amount on Record
Deed Sale	Jun 29, 2015 · Amount on Record
Prior Sale	Nov 4, 2002 · Amount on Record
Deed Document Number	201533542
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	662 WATERSIDE DR, SOUTH ELGIN, IL 60177-3714
Transaction Type	Mortgage
Record Updated	Apr 17, 2023
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000071038
Date	Sep 17, 2021
Instrument	2021K071038

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	662 WATERSIDE DR, SOUTH ELGIN, IL 60177-3714
Transaction Type	Mortgage
Record Updated	Apr 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000041520
Date	Aug 17, 2022
Instrument	2022K041520

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21046

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$15,038.00 (+16.33%) Homeowner's exemption
2024		$189,588 (+23.12%) Land $29,792 Building $159,796	$568,992 (+23.17%) Land $89,412 Building $479,580
2022	$12,927.00 (+4.09%) Homeowner's exemption	$153,989 (+4.91%) Land $26,563 Building $127,426	$461,967 (+4.91%) Land $79,689 Building $382,278
2021	$12,419.00 Homeowner's exemption	$146,782 Land $25,320 Building $121,462	$440,346 Land $75,960 Building $364,386

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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