1014 Derby Course, Saint Charles, IL 60174 Property Records

Kane County property record for 1014 Derby Course, Saint Charles, IL 60174

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,868 sqft · built 1987
Lot Size	0.133 acres (5,775 sqft)
Owner	Individual Name on Record
Last Sale	$225,500 (Aug 2020)
Tax Bill	$6,856 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-26-251-041`

Property Details

APN / Parcel Number

Primary APN	`09-26-251-041`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,868 sqft Living Area
Basement Area	782 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,775 sqft (0.133 acres)
Garage Type	Attached
Garage Area	398 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	1014 DERBY CRSE
City	SAINT CHARLES
State	IL
Zip	60174-5746
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HUNTERS FIELDS COMMONS - LOT 1 EX NLY 113.35 FT
Legal Subdivision	HUNTERS FIELDS COMMONS
Legal Block	2
Legal Lot Number	1
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2014
Census Tract	852005

Owner

Source: Kane County records, as of July 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	1014 DERBY CRSE, SAINT CHARLES, IL 60174-5746
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 21, 2020 · Amount on Record
Deed Sale	Aug 21, 2020 · Amount on Record
Deed Document Number	202047126
Record Updated	Oct 29, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 21, 2020
Property Address	1014 DERBY CRSE, ST CHARLES, IL 60174-5746
Document Number	0000047126
Instrument Date	Aug 17, 2020
Instrument	47126
Transaction Type	Transfer
Record Updated	Sep 14, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$339.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1014 DERBY CRSE ST CHARLES IL 601745746, ST CHARLES, IL 60174-5746

Mortgage

Document Number	47127
Date	Aug 21, 2020
Instrument	47127

Lender

Name	HOMEFINITY
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 20, 2050

Tax Assessment & Valuation

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	St. Charles Township
Municipality	St. Charles City
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	$6,856.00 (+12.41%) Homeowner's exemption	$105,758 (+0.27%) Land $22,229 Building $83,529	$317,401 (+0.27%) Land $66,714 Building $250,687
2024		$105,474 (+29.36%) Land $20,482 Building $84,992	$316,549 (+29.41%) Land $61,471 Building $255,078
2022	$6,099.00 (+4.27%) Homeowner's exemption	$81,537 (+4.91%) Land $18,446 Building $63,091	$244,611 (+4.91%) Land $55,338 Building $189,273
2021	$5,849.00 Homeowner's exemption	$77,721 Land $17,583 Building $60,138	$233,163 Land $52,749 Building $180,414

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	ST CHARLES serves 33,081 people · EPA ID IL0894830
Water Source	Groundwater
Last State Inspection	Oct 2022
Lead	4 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	2 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 152 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20