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16 Stirrup Cup Ct, Saint Charles, IL 60174 Property Records

Kane County property record for 16 Stirrup Cup Ct, Saint Charles, IL 60174

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 3,390 sqft · built 1977
Lot Size0.498 acres (21,690 sqft)
Owner2 Individual Names on Record
Last Sale$487,500 (Dec 2016)
Tax Bill$15,618 (2025)
Deeds & MortgagesMay 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN09-23-401-011

Property Details

APN / Parcel Number

Primary APN09-23-401-011

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms12 Rooms
Stories2 Stories
Building Area3,390 sqft Living Area
Basement Area1,310 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1977
Effective Year BuiltEffective 1977
Exterior MaterialBrick Veneer
Construction TypeFrame
Roof TypeGable
Roof MaterialWood
Lot Area21,690 sqft (0.498 acres)
Garage TypeAttached
Garage Area550 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area416 sqft
PorchOpen Porch
Shed1 Shed
Shed Area179 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Street Address16 STIRRUP CUP CT
CitySAINT CHARLES
StateIL
Zip60174-1432
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionAINTREE - LOT 94
Legal SubdivisionAINTREE
Legal Block2
Legal Lot Number94
JurisdictionKANE IL
Township / Civil DivisionST. CHARLES
Census Block Group2
Census Block2000
Census Tract852005

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address16 STIRRUP CUP CT, SAINT CHARLES, IL 60174-1432
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 9, 2016 · Amount on Record
Deed SaleDec 9, 2016 · Amount on Record
Prior SaleNov 18, 2011 · Amount on Record
Deed Document Number201668020
Prior Transfer DateFeb 28, 1995
Prior Transfer Doc0000012259
Record UpdatedOct 29, 2026

May 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address16 STIRRUP CUP CT, ST CHARLES, IL 60174-1432
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyWHEATLAND TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000023441
DateMay 8, 2020
Instrument2020K023441
Lender
NameOLD SECOND NATIONAL BANK
TypeBank
AddressAURORA, IL 60506
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueMay 1, 2035

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionSt. Charles Township
MunicipalitySt. Charles City
Unified School DistrictSt. Charles Community Unit School District 303 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$15,618.00 (+22.79%) Homeowner's exemption$235,429 (+15.26%) Land $60,624 Building $174,805$706,570 (+15.26%) Land $181,945 Building $524,625
2024$204,261 (+24.91%) Land $40,964 Building $163,297$613,028 (+24.96%) Land $122,941 Building $490,087
2022$12,719.00 (+4.06%) Homeowner's exemption$163,527 (+4.91%) Land $39,770 Building $123,757$490,581 (+4.91%) Land $119,310 Building $371,271
2021$12,223.00 Homeowner's exemption$155,874 Land $37,909 Building $117,965$467,622 Land $113,727 Building $353,895

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies2 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 RiskLow
lower than 98% of the US · lower than 86% of Illinois
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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 SystemST CHARLES
serves 33,081 people · EPA ID IL0894830
Water SourceGroundwater
Last State InspectionOct 2022
Lead4 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 275 locations within half a mile, as of December 31, 2025

ProviderMax 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

Cell Coverage

5G (outdoors only) and 4G LTE

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