Cook County property record for 949 Waverly Dr, Elgin, IL 60120
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,024 sqft · built 1986 |
| Lot Size | 0.254 acres (11,078 sqft) |
| Owner | Individual Name on File |
| Last Sale | $239,000 (Sep 2009) |
| Tax Bill | $7,969 (2023) |
| Deeds & Mortgages | Jul 2021 Mortgage Mar 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-07-115-026 |
| Primary APN | 06-07-115-026 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,024 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Multi-Level |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 11,078 sqft (0.254 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 949 WAVERLY DR |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-4074 |
| 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 | 80 |
| Jurisdiction | COOK IL |
| Township / Civil Division | HANOVER |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 804403 |
949 Waverly Dr is owned and occupied by an individual who acquired it in February 2011.
Source: Cook County records, as of May 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 949 WAVERLY DR, ELGIN, IL 60120-4074 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 |
|---|---|
| Jul 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HOMESIDE FINANCIAL LLC |
| Mar 18, 2017 | Deed of Trust, Mortgage · FHA Mortgage CIBM BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 14, 2009 · Amount on File |
| Deed Sale | Sep 14, 2009 · Amount on File |
| Deed Document Number | 200935018 |
| Last Transfer Date | Feb 9, 2011 |
| Transfer Doc | 0000018055 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 949 WAVERLY DR, ELGIN, IL 60120-4074 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0018242058 |
|---|---|
| Date | Jul 1, 2021 |
| Instrument | 2118242058 |
| Name | HOMESIDE FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MD 21046 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Jun 1, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.62% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 949 WAVERLY DR, ELGIN, IL 60120-4074 |
| Document Number | 1708239059 |
| Instrument Date | Mar 18, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2017 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 949 WAVERLY DR ELGIN IL 601204074, ELGIN, IL 60120-4074 |
| Document Number | 1708239059 |
|---|---|
| Date | Mar 23, 2017 |
| Instrument | 8239059 |
| Name | CIBM BK |
|---|---|
| Type | Bank |
| Address | NAPERVILLE, IL 60563 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 22, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.25% |
Source: Cook County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Cook County |
| County Subdivision | Hanover Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $37,000 Land $7,755 Building $29,245 | $370,000 Land $77,550 Building $292,450 | |
| 2023 | $7,969.00 (+3.31%) | ||
| 2022 | $7,714.00 Homeowner's exemption | $30,999 Land $7,200 Building $23,799 | $309,990 Land $72,000 Building $237,990 |
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 949 Waverly Dr in Zone X, an area of minimal flood risk.
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.
The area around 949 Waverly 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: 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 |
| 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.
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 |
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