Kane County property record for 305 Windsor Cir, Saint Charles, IL 60175
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 2,553 sqft · built 1993 |
| Lot Size | 0.715 acres (31,165 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $475,500 (Aug 2021) |
| Tax Bill | $13,896 (2025) |
| Deeds & Mortgages | Oct 2026 Sale & Mortgage Aug 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-22-105-007 |
| Primary APN | 09-22-105-007 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,553 sqft Living Area |
| Basement Area | 769 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 31,165 sqft (0.715 acres) |
| Garage Type | Attached |
| Garage Area | 743 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 648 sqft |
| Porch | Open Porch |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 305 WINDSOR CIR |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60175-5604 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 52 OF UNIT 3 RED GATE |
| Legal Subdivision | RED GATE |
| Legal Block | 4 |
| Legal Lot Number | 52 |
| Legal Unit | 3 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 4 |
| Census Block | 4015 |
| Census Tract | 852103 |
305 Windsor Cir is owned and occupied by two individuals who bought it in August 2021.
Source: Kane County records, as of September 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 305 WINDSOR CIR, SAINT CHARLES, IL 60175-5604 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| Oct 16, 2026 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Aug 26, 2021 | Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK NA |
| May 25, 2019 | Deed of Trust, Mortgage · Conventional Mortgage JG WENTWORTH HM LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 26, 2021 · Amount on File |
| Deed Sale | Aug 26, 2021 · Amount on File |
| Prior Sale | Jul 14, 2004 · Amount on File |
| Deed Document Number | 202165371 |
| Prior Transfer Date | Jul 14, 2003 |
| Prior Transfer Doc | 0000094254 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Oct 16, 2026 |
| Property Address | 305 WINDSOR CIR, SAINT CHARLES, IL 60175-5604 |
| Document Number | 0000044817 |
| Instrument Date | Sep 22, 2026 |
| Instrument | 202644817 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $112,110.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 608 WAINSFORD DR, HOFFMAN ESTATES, IL 60169-4542 |
| Document Number | 0000044818, |
|---|---|
| Date | Oct 16, 2026 |
| Instrument | 202644818 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.63% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Aug 26, 2021 |
| Property Address | 305 WINDSOR CIR, ST CHARLES, IL 60175-5604 |
| Document Number | 0000065371 |
| Instrument Date | Jul 19, 2021 |
| Instrument | 2021K065371 |
| Transaction Type | Transfer |
| Record Updated | Sep 1, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $475.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 305 WINDSOR CIR, SAINT CHARLES, IL 60175-5604 |
| Investor | Possibly a Property Investor |
| Document Number | 0000065372 |
|---|---|
| Date | Aug 26, 2021 |
| Instrument | 2021K065372 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Rate | 3% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 305 WINDSOR CIR, ST CHARLES, IL 60175-5604 |
| Document Number | 0000022570 |
| Instrument Date | May 25, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 18, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 305 WINDSOR CIR ST CHARLES IL 601755604, ST CHARLES, IL 60175-5604 |
| Document Number | 0000022570 |
|---|---|
| Date | Jun 4, 2019 |
| Instrument | 22570 |
| Name | JG WENTWORTH HM LNDG |
|---|---|
| Address | WOODBRIDGE, VA 22192 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jun 3, 2039 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.12% |
The 2025 property tax bill for 305 Windsor Cir was $13,896 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 | $13,896.00 Homeowner's exemption | $205,018 (+8.53%) Land $44,458 Building $160,560 | $615,300 (+8.53%) Land $133,427 Building $481,873 |
| 2024 | $188,905 Land $40,964 Building $147,941 | $566,942 Land $122,941 Building $444,001 | |
| 2022 | $12,293.00 (+4.04%) Homeowner's exemption | $157,508 (+4.91%) Land $38,552 Building $118,956 | $472,524 (+4.91%) Land $115,656 Building $356,868 |
| 2021 | $11,816.00 Homeowner's exemption | $150,137 Land $36,748 Building $113,389 | $450,411 Land $110,244 Building $340,167 |
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 305 Windsor Cir 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 |
| Nearby Flood Policies | 1 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 305 Windsor Cir 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 95% of the US · lower than 70% 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 93 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| 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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