Kane County property record for 11 Highgate Course, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 4,112 sqft · built 1985 |
| Lot Size | 0.613 acres (26,707 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $540,000 (May 2018) |
| Tax Bill | $541 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Apr 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-23-427-019 |
| Primary APN | 09-23-427-019 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 4,112 sqft Living Area |
| Basement Area | 1,037 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | French |
| Exterior Material | Brick |
| Roof Type | Gable |
| Roof Material | Wood |
| Lot Area | 26,707 sqft (0.613 acres) |
| Garage Type | Attached |
| Garage Area | 954 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Open Porch |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 11 HIGHGATE CRSE |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-1443 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | AINTREE LOT # 63 |
| Legal Subdivision | AINTREE |
| Legal Block | 2 |
| Legal Lot Number | 63 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 852005 |
11 Highgate Course is owned and occupied by two individuals who bought it in May 2018.
Source: Kane County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 11 HIGHGATE CRSE, SAINT CHARLES, IL 60174-1443 |
| 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 |
|---|---|
| Feb 1, 2021 | Deed of Trust, Mortgage · VA Mortgage M SQUARED FINANCIAL LLC |
| Apr 10, 2020 | Deed of Trust, Mortgage · VA Mortgage M SQUARED FINANCIAL LLC |
| Jul 23, 2019 | Deed of Trust, Mortgage · VA Mortgage M SQUARED FINANCIAL LLC |
| May 22, 2018 | Quit Claim Deed, Transfer · Conventional Mortgage M SQUARED FINANCIAL LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 22, 2018 · Amount on File |
| Deed Sale | May 22, 2018 · Amount on File |
| Prior Sale | Dec 21, 2004 · Amount on File |
| Deed Document Number | 201823800 |
| Prior Transfer Date | May 11, 2018 |
| Prior Transfer Doc | 0000023800 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 11 HIGHGATE CRSE, ST CHARLES, IL 60174-1443 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000008319 |
|---|---|
| Date | Feb 1, 2021 |
| Instrument | 2021K008319 |
| Name | M SQUARED FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | LEAWOOD, KS 66206 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 11 HIGHGATE CRSE, ST CHARLES, IL 60174-1443 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000018105 |
|---|---|
| Date | Apr 10, 2020 |
| Instrument | 2020K018105 |
| Name | M SQUARED FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | LEAWOOD, KS 66206 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 11 HIGHGATE CRSE, ST CHARLES, IL 60174-1443 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000032294 |
|---|---|
| Date | Jul 23, 2019 |
| Instrument | 2019K032294 |
| Name | M SQUARED FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | LEAWOOD, KS 66206 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | May 22, 2018 |
| Property Address | 11 HIGHGATE CRSE, ST CHARLES, IL 60174-1443 |
| Document Number | 0000023800 |
| Instrument Date | May 11, 2018 |
| Instrument | 2018K023800 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | CHICAGO TITLE INSURANCE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $540.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 11 HIGHGATE ST, 11, 00000 |
| Name | Verified Name |
|---|---|
| Address | 630 HIGHATE, 00000 |
| Document Number | 0000023801 |
|---|---|
| Date | May 22, 2018 |
| Instrument | 2018K023801 |
| Name | M SQUARED FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2048 |
The 2025 property tax bill for 11 Highgate Course was $541 with exemptions applied.
Source: Kane County assessment roll, as of July 23, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $541.00 Homeowner's exemption Veteran's exemption | $265,720 (+17.46%) Land $60,624 Building $205,096 | $797,479 (+17.46%) Land $181,945 Building $615,534 |
| 2024 | $226,216 Land $37,240 Building $188,976 | $678,920 Land $111,765 Building $567,155 | |
| 2022 | $14,241.00 (+4.04%) Homeowner's exemption | $182,379 (+4.91%) Land $36,155 Building $146,224 | $547,137 (+4.91%) Land $108,465 Building $438,672 |
| 2021 | $13,688.00 Homeowner's exemption | $173,843 Land $34,463 Building $139,380 | $521,529 Land $103,389 Building $418,140 |
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 11 Highgate Course 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 |
| 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 risk around 11 Highgate Course is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 86% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 275 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 |
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