805 Waverly Dr, Elgin, IL 60120 Property Records

Cook County property record for 805 Waverly Dr, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,211 sqft · built 1986
Lot Size	0.217 acres (9,463 sqft)
Owner	2 Individual Names on Record
Last Sale	$325,000 (Jun 2022)
Tax Bill	$8,347 (2023)
Deeds & Mortgages	Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-07-314-005`

Property Details

APN / Parcel Number

Primary APN	`06-07-314-005`
Alternative APN	`06-07-314-005-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,211 sqft Living Area
1st Floor Area	2,211 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1987
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	9,463 sqft (0.217 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	805 WAVERLY DR
City	ELGIN
State	IL
Zip	60120-2003
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	(BENT) (TREE) VILLAGE BEING SUB OF PT OF EH WH SEC7 I N CITY OF ELGIN EH WH SEC 07-41-09
Legal Range	09E
Legal Township	41N
Legal Section	07
Legal Subdivision	BENT TREE
Legal Lot Number	5
Jurisdiction	COOK IL
Township / Civil Division	HANOVER
Census Block Group	4
Census Block	4012
Census Tract	804403

Owner

Source: Cook County records, as of May 27, 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	220 WALNUT ST, SAINT CHARLES, IL 60174-2836
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2022 · Amount on Record
Deed Sale	Jun 23, 2022 · Amount on Record
Prior Sale	Nov 17, 1994 · Amount on Record
Deed Document Number	20228008
Prior Transfer Date	Nov 2, 1994
Prior Transfer Doc	0000000117
Record Updated	Oct 29, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Jun 23, 2022
Property Address	805 WAVERLY DR, ELGIN, IL 60120-2003
Document Number	0017408008
Instrument Date	Jun 6, 2022
Instrument	2217408008
Transaction Type	Transfer
Record Updated	Jul 4, 2022
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$325.00
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	805 WAVERLY DR, ELGIN, IL 60120-2003

Mortgage

Document Number	0017408009
Date	Jun 23, 2022
Instrument	2217408009

Lender

Name	GMFS LLC
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Fixed Rate
Rate	5.37%

Tax Assessment & Valuation

Source: Cook County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Cook County
County Subdivision	Hanover Township
Municipality	Elgin City
Unified School District	School District U-46 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$36,000 (+24.14%) Land $6,624 Building $29,376	$360,000 (+24.14%) Land $66,240 Building $293,760
2023	$8,347.00 (+30.65%)
2022	$6,389.00 Homeowner's exemption Senior Citizen's exemption	$28,999 Land $6,150 Building $22,849	$289,990 Land $61,500 Building $228,490

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 February 11, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	ELGIN serves 114,797 people · EPA ID IL0894380
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	19 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	8 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 416 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20