Kane County property record for 16 Highgate Ct, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,248 sqft · built 1977 |
| Lot Size | 0.556 acres (24,231 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $311,000 (Jan 2010) |
| Tax Bill | $13,247 (2025) |
| Deeds & Mortgages | Jul 2022 Line of Credit May 2020 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-23-427-013 |
| Primary APN | 09-23-427-013 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,248 sqft Living Area |
| Basement Area | 1,854 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Exterior Material | Brick Veneer |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Wood |
| Lot Area | 24,231 sqft (0.556 acres) |
| Garage Type | Attached |
| Garage Area | 650 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 16 HIGHGATE CT |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-1425 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | AINTREE - LOT 45 |
| Legal Subdivision | AINTREE |
| Legal Block | 2 |
| Legal Lot Number | 45 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 852005 |
16 Highgate Ct is owned and occupied by two individuals who acquired it in April 2020.
Source: Kane County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 16 HIGHGATE CT, SAINT CHARLES, IL 60174-1425 |
| 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 25, 2022 | Deed of Trust, Mortgage · Line of Credit HEALTHCARE ASSOCIATES CU |
| May 7, 2020 | Intrafamily Transfer, Transfer · Stand-Alone Second Mortgage DISCOVER BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 22, 2010 · Amount on File |
| Deed Sale | Jan 22, 2010 · Amount on File |
| Deed Document Number | 20105700 |
| Last Transfer Date | Apr 10, 2020 |
| Transfer Doc | 0000023158 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 16 HIGHGATE CT, ST CHARLES, IL 60174-1425 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000037635 |
|---|---|
| Date | Jul 25, 2022 |
| Instrument | 2022K037635 |
| Name | HEALTHCARE ASSOCIATES CU |
|---|---|
| Type | Credit Union |
| Address | WELDONA, CO 80653 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jul 24, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | May 7, 2020 |
| Property Address | 16 HIGHGATE CT, ST CHARLES, IL 60174-1425 |
| Document Number | 0000023158 |
| Instrument Date | Apr 10, 2020 |
| Instrument | 2020K023158 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2022 |
| Title Company | SERVICELINK |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 16 HIGHGATE CT, SAINT CHARLES, IL 60174-1425 |
| Document Number | 0000023159 |
|---|---|
| Date | May 7, 2020 |
| Instrument | 2020K023159 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Apr 15, 2035 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.99% |
The 2025 property tax bill for 16 Highgate Ct was $13,247 with a homeowner's exemption.
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 | $13,247.00 Homeowner's exemption | $196,893 (+20.94%) Land $60,624 Building $136,269 | $590,915 (+20.94%) Land $181,945 Building $408,971 |
| 2024 | $162,799 Land $37,240 Building $125,559 | $488,592 Land $111,765 Building $376,828 | |
| 2022 | $10,190.00 (+4.1%) Homeowner's exemption | $132,216 (+4.91%) Land $36,155 Building $96,061 | $396,648 (+4.91%) Land $108,465 Building $288,183 |
| 2021 | $9,789.00 Homeowner's exemption | $126,028 Land $34,463 Building $91,565 | $378,084 Land $103,389 Building $274,695 |
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 16 Highgate Ct 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 16 Highgate Ct 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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