1180 Willowgate Ln, Saint Charles, IL 60174 Property Records

Kane County property record for 1180 Willowgate Ln, Saint Charles, IL 60174

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 3,083 sqft · built 1995
Lot Size	0.71 acres (3,071 sqft)
Owner	Trust Name on File
Last Sale	$775,000 (Jul 2020)
Tax Bill	$18,902 (2025)
Deeds & Mortgages	Jul 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`09-34-482-066`

Property Details

APN / Parcel Number

Primary APN	`09-34-482-066`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,083 sqft Living Area
Basement Area	1,150 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,071 sqft (0.71 acres)
Garage Type	Attached
Garage Area	438 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1180 WILLOWGATE LN
City	SAINT CHARLES
State	IL
Zip	60174-4143
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	20 E83
Legal Subdivision	WILLOWGATE
Legal Block	2
Legal Lot Number	20
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2033
Census Tract	852300

Owner

1180 Willowgate Ln is owner-occupied and held in a trust since July 2020.

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

Owner of Record	Trust Name on File
Mailing Address	1180 WILLOWGATE LN, SAINT CHARLES, IL 60174-4143
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 29, 2020 · Amount on File
Deed Sale	Jul 29, 2020 · Amount on File
Prior Sale	Mar 14, 2005 · Amount on File
Deed Document Number	202041352
Prior Transfer Date	May 12, 1995
Prior Transfer Doc	0000027405
Record Updated	Oct 29, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 29, 2020
Property Address	1180 WILLOWGATE LN, ST CHARLES, IL 60174-4143
Document Number	0000041352
Instrument Date	Jul 14, 2020
Instrument	41352
Transaction Type	Transfer
Record Updated	Sep 9, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount on Record
Tax	$1,163.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1439 PINTO CT GENEVA IL 601343149, GENEVA, IL 60134-3149

Tax Assessment & Valuation

The 2025 property tax bill for 1180 Willowgate Ln was $18,902 with exemptions applied.

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	$18,902.00 Homeowner's exemption Senior Citizen's exemption	$285,517 (+8.53%) Land $70,729 Building $214,788	$856,894 (+8.53%) Land $212,272 Building $644,622
2024		$263,077 Land $65,170 Building $197,907	$789,547 Land $195,588 Building $593,959
2022	$18,316.00 (+1.75%) Homeowner's exemption	$237,852 (+4.91%) Land $64,562 Building $173,290	$713,556 (+4.91%) Land $193,686 Building $519,870
2021	$18,001.00 Homeowner's exemption	$226,720 Land $61,540 Building $165,180	$680,160 Land $184,620 Building $495,540

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

FEMA maps place 1180 Willowgate Ln in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 10 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	10 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

Wildfire risk around 1180 Willowgate Ln 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 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 428 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20