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686 Waterside Dr, South Elgin, IL 60177 Property Records

Kane County property record for 686 Waterside Dr, South Elgin, IL 60177

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 3,180 sqft · built 2000
Lot Size0.296 acres (12,873 sqft)
OwnerIndividual Name on Record
Last Sale$475,000 (Aug 2021)
Tax Bill$15,778 (2025)
Deeds & MortgagesAug 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN09-05-184-010

Property Details

APN / Parcel Number

Primary APN09-05-184-010

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Stories2 Stories
Building Area3,180 sqft Living Area
Basement Area1,027 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2000
Effective Year BuiltEffective 2000
Exterior MaterialStucco
Construction TypeFrame
Roof TypeHip
Roof MaterialAsphalt
Lot Area12,873 sqft (0.296 acres)
Garage TypeAttached
Garage Area650 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address686 WATERSIDE DR
CitySOUTH ELGIN
StateIL
Zip60177-3714
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 348 IN THORNWOOD PHASE 4A, BEING A PART OF SECTION 5, TOWNSHIP 40 NORTH, RANGE 8 EAST OF THE THIRD PRINCIPAL MERIDIAN, ACCORDING TO THE PLAT THEREOF RECORDED AUSUG 3, 1999 AS DOCUMENT 1999K076099 IN THE VILLAGE OF SOUTH ELGIN, KANE COUNTY, ILLINO
Legal SubdivisionTHORNWOOD
Legal Phase4A
Legal Block5
Legal Lot Number348
JurisdictionKANE IL
Township / Civil DivisionST. CHARLES
Census Block Group5
Census Block5013
Census Tract852101

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 RecordIndividual Name on Record
Mailing Address686 WATERSIDE DR, SOUTH ELGIN, IL 60177-3714
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 6, 2021 · Amount on Record
Deed SaleAug 6, 2021 · Amount on Record
Prior SaleJan 4, 2001 · Amount on Record
Deed Document Number202160084
Prior Transfer DateOct 17, 2002
Prior Transfer Doc0000023889
Record UpdatedSep 20, 2026

August 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKANE IL
Recording DateAug 6, 2021
Property Address686 WATERSIDE DR, SOUTH ELGIN, IL 60177-3714
Document Number0000060084
Map ReferenceDOC 1999
Instrument DateJul 27, 2021
Instrument2021K060084
Transaction TypeTransfer
Record UpdatedAug 16, 2021
Title CompanyCHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$475.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address686 WATERSIDE DR, 686, SOUTH ELGIN, IL 60177-3714

Transferred To (Grantee/Buyer)

NameVerified Name
Address686 WATERSIDE DR, SOUTH ELGIN, IL 60177-3714

Mortgage

Document Number0000060085
DateAug 6, 2021
Instrument2021K060085
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2051
Interest
Rate TypeFixed Rate
Rate2.87%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of August 25, 2025

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionSt. Charles Township
MunicipalitySouth Elgin Village
Unified School DistrictSt. Charles Community Unit School District 303 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$15,778.00 (+2%) Homeowner's exemption
2024$203,448 (+29.99%) Land $29,792 Building $173,656$610,588 (+30.04%) Land $89,412 Building $521,176
2022$13,148.00 (+7.86%) Homeowner's exemption$156,511 (+4.91%) Land $26,563 Building $129,948$469,533 (+4.91%) Land $79,689 Building $389,844
2021$12,190.00 Homeowner's exemption$149,186 Land $25,320 Building $123,866$447,558 Land $75,960 Building $371,598

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies2 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 RiskNot 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 SystemSOUTH ELGIN
serves 23,648 people · EPA ID IL0890800
Water SourceGroundwater
Last State InspectionApr 2024
Lead1 ppb (2026)
action level 15 ppb
Copper1.5 mg/L (2024)
action level 1.3 mg/L

Violations Reported to EPA

Water QualityBarium
not recorded as resolved · Apr 2026
Treatment and ProcedureCorrosion control
Jul 2025
Monitoring and Reporting5
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

ProviderMax 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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