680 Waterside Dr, South Elgin, IL 60177 Property Records

Kane County property record for 680 Waterside Dr, South Elgin, IL 60177

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,808 sqft · built 2003
Lot Size	0.331 acres (14,431 sqft)
Owner	2 Individual Names on Record
Last Sale	$489,000 (Nov 2021)
Tax Bill	$13,735 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-05-184-007`

Property Details

APN / Parcel Number

Primary APN	`09-05-184-007`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,808 sqft Living Area
Basement Area	264 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	14,431 sqft (0.331 acres)
Garage Type	Attached
Garage Area	431 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	680 WATERSIDE DR
City	SOUTH ELGIN
State	IL
Zip	60177-3714
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 347 IN THORNWOOD PHASE 4A
Legal Subdivision	THORNWOOD
Legal Phase	4A
Legal Block	5
Legal Lot Number	347
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	680 WATERSIDE DR, SOUTH ELGIN, IL 60177-3714
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2021 · Amount on Record
Deed Sale	Nov 18, 2021 · Amount on Record
Prior Sale	Mar 2, 2009 · Amount on Record
Deed Document Number	202187062
Record Updated	Sep 20, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Nov 18, 2021
Property Address	680 WATERSIDE DR, SOUTH ELGIN, IL 60177-3714
Document Number	0000087062
Instrument Date	Oct 21, 2021
Instrument	2021K087062
Transaction Type	Transfer
Record Updated	Nov 26, 2021
Title Company	PROPER TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$489.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	680 WATERSIDE DR, SOUTH ELGIN, IL 60177-3714

Mortgage

Document Number	0000087063
Date	Nov 18, 2021
Instrument	2021K087063

Lender

Name	KEY MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	3.87%

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	$13,735.00 (+16.12%) Homeowner's exemption
2024		$173,792 (+22.9%) Land $29,792 Building $144,000	$521,585 (+22.95%) Land $89,412 Building $432,173
2022	$11,828.00 (+20.33%) Homeowner's exemption	$141,408 (+20.42%) Land $26,563 Building $114,845	$424,224 (+20.42%) Land $79,689 Building $344,535
2021	$9,830.00 Homeowner's exemption	$117,428 Land $25,320 Building $92,108	$352,284 Land $75,960 Building $276,324

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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