21 Highgate Course, Saint Charles, IL 60174 Property Records

Kane County property record for 21 Highgate Course, Saint Charles, IL 60174

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,156 sqft · built 1976
Lot Size	0.704 acres (30,660 sqft)
Owner	2 Individual Names on File
Last Sale	$290,000 (May 1997)
Tax Bill	$13,627 (2025)
Deeds & Mortgages	Nov 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`09-23-427-017`

Property Details

APN / Parcel Number

Primary APN	`09-23-427-017`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,156 sqft Living Area
Basement Area	1,578 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Mansard
Roof Material	Wood
Lot Area	30,660 sqft (0.704 acres)
Garage Type	Attached
Garage Area	608 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	21 HIGHGATE CRSE
City	SAINT CHARLES
State	IL
Zip	60174-1443
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	65
Legal Subdivision	AINTREE
Legal Block	2
Legal Lot Number	65
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2001
Census Tract	852005

Owner

21 Highgate Course is owned and occupied by two individuals who bought it in May 1997.

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

Owner of Record	2 Individual Names on File
Mailing Address	21 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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 21, 1997 · Amount on File
Deed Sale	May 21, 1997 · Amount on File
Prior Sale	Jun 29, 1995 · Amount on File
Deed Document Number	199732709
Record Updated	Oct 29, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	21 HIGHGATE CRSE, SAINT CHARLES, IL 60174-1443
Document Number	0000060588
Instrument Date	Nov 30, 2018
Transaction Type	Mortgage
Record Updated	Dec 31, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	21 HIGHGATE CRSE ST CHARLES IL 601741443, ST CHARLES, IL 60174-1443

Mortgage

Document Number	0000060588
Date	Dec 18, 2018
Instrument	60588

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 21 Highgate Course was $13,627 with a homeowner's exemption.

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	$13,627.00	$202,302 (+20.57%) Land $60,624 Building $141,678	$607,149 (+20.57%) Land $181,945 Building $425,204
2024		$167,783 Land $37,240 Building $130,543	$503,550 Land $111,765 Building $391,786
2022	$11,019.00 (+3.85%)	$136,481 (+4.91%) Land $36,155 Building $100,326	$409,443 (+4.91%) Land $108,465 Building $300,978
2021	$10,610.00	$130,094 Land $34,463 Building $95,631	$390,282 Land $103,389 Building $286,893

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 21 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

Wildfire risk around 21 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.

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 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