Kane County property record for 865 Cascade Falls Dr, Elgin, IL 60124
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,246 sqft · built 2009 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $208,000 (Jan 2010) |
| Tax Bill | $6,833 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit Feb 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-29-157-006 |
| Primary APN | 06-29-157-006 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,246 sqft Living Area |
| 1st Floor Area | 1,246 sqft |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Construction Type | Frame |
| Lot Area | 5,663 sqft (0.13 acres) |
| Lot Dimensions | 126 ft deep x 45 ft wide |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|
| Street Address | 865 CASCADE FALLS DR |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60124-3135 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EDGEWATER SUB PHASE 4 LT 987 |
| Legal Subdivision | EDGEWATER SUB |
| Legal Phase | 4 |
| Legal Block | 2 |
| Legal Lot Number | 987 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 851913 |
865 Cascade Falls Dr is owned and occupied by two individuals who acquired it in December 2020.
Source: Kane County records, as of July 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 865 CASCADE FALLS DR, ELGIN, IL 60124-3135 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 8, 2026 | Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC |
| Feb 4, 2020 | Deed of Trust, Mortgage · VA Mortgage PHH MORTGAGE SERVICES CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 5, 2010 · Amount on File |
| Deed Sale | Jan 5, 2010 · Amount on File |
| Deed Document Number | 2010679 |
| Last Transfer Date | Dec 23, 2020 |
| Transfer Doc | 0000080870 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Sep 8, 2026 |
| Property Address | 865 CASCADE FALLS DR, ELGIN, IL 60124-3135 |
| Document Number | 0000038651 |
| Instrument Date | Aug 18, 2026 |
| Instrument | 202638651 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety, 298 |
| Address | 865 CASCADE FALLS DR, ELGIN, IL 60124-3135 |
| Document Number | 0000038651, |
|---|---|
| Date | Sep 8, 2026 |
| Instrument | 202638651 |
| Name | SPRING EQ LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Sep 1, 2046 |
| Rate | 7.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 865 CASCADE FALLS DR, ELGIN, IL 60124-3135 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000006200 |
|---|---|
| Date | Feb 4, 2020 |
| Instrument | 2020K006200 |
| Name | PHH MORTGAGE SERVICES CORP |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.62% |
The 2025 property tax bill for 865 Cascade Falls Dr was $6,833 with exemptions applied.
Source: Kane County assessment roll, as of August 25, 2025
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,833.00 Homeowner's exemption Senior Citizen's exemption | ||
| 2024 | $97,233 Land $32,196 Building $65,037 | $291,816 Land $96,627 Building $195,189 | |
| 2022 | $5,539.00 (-2.81%) Homeowner's exemption | $80,097 (+6.96%) Land $26,522 Building $53,575 | $240,291 (+6.96%) Land $79,566 Building $160,725 |
| 2021 | $5,699.00 Homeowner's exemption | $74,885 Land $24,796 Building $50,089 | $224,655 Land $74,388 Building $150,267 |
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.
FEMA maps place 865 Cascade Falls Dr in Zone X, an area of minimal flood risk.
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 |
| Nearby Flood Policies | 1 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.
The area around 865 Cascade Falls Dr has no burnable land within ember reach, so its wildfire risk is not rated.
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.
Source: FCC Broadband Data Collection, based on 459 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 |
| AT&T Fiber · DSL in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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