Kane County property record for 3132 Raphael Ct, Saint Charles, IL 60175
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,028 sqft · built 2002 |
| Lot Size | 0.103 acres (4,484 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $237,500 (Jan 2021) |
| Tax Bill | $7,924 (2025) |
| Deeds & Mortgages | Mar 2020 Line of Credit Jan 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-29-353-037 |
| Primary APN | 09-29-353-037 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,028 sqft Living Area |
| Basement Area | 708 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 4,484 sqft (0.103 acres) |
| Garage Type | Attached |
| Garage Area | 459 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 3132 RAPHAEL CT |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60175-4657 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 222 OF THE TOWNES AT RENAUX MANOR UNIT 2 |
| Legal Subdivision | THE TOWNES AT RENAUX MANOR |
| Legal Block | 3 |
| Legal Lot Number | 222 |
| Legal Unit | 2 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 852203 |
Source: Kane County records · APN 09-29-353-037
Assessment roll updated December 26, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3132 RAPHAEL CT, SAINT CHARLES, IL 60175-4657 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Date | Document |
|---|---|
| Mar 04, 2020 | Deed of Trust, Mortgage · Line of Credit OLD SECOND NATIONAL BANK |
| Jan 19, 2021 | Deed, Transfer · Conventional Mortgage SYNERGY ONE LENDING |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 19, 2021 · Amount on Record |
| Deed Sale | Jan 19, 2021 · Amount on Record |
| Prior Sale | Jan 08, 2003 · Amount on Record |
| Deed Document Number | 20214241 |
| Prior Transfer Date | Jul 26, 2013 |
| Prior Transfer Doc | 0000056529 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 3132 RAPHAEL CT, ST CHARLES, IL 60175-4657 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Title Company | FOX TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000011573 |
|---|---|
| Date | Mar 04, 2020 |
| Instrument | 2020K011573 |
| Name | OLD SECOND NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | AURORA, IL 60506 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 25, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jan 19, 2021 |
| Property Address | 3132 RAPHAEL CT, ST CHARLES, IL 60175-4657 |
| Document Number | 0000004241 |
| Map Reference | DOC 2000K005023 |
| Instrument Date | Oct 03, 2020 |
| Instrument | 2021K004241 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2022 |
| Title Company | BAIRD & WARNER TTL SVCS INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $237.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3132 RAPHAEL CT, SAINT CHARLES, IL 60175-4657 |
| Document Number | 0000004242 |
|---|---|
| Date | Jan 19, 2021 |
| Instrument | 2021K004242 |
| Name | SYNERGY ONE LENDING |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.62% |
Source: Kane County records · Assessment roll updated December 26, 2025 · Last verified July 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) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,924.00 (+16.53%) Homeowner's exemption | ||
| 2024 | $111,483 (+23.55%) Land $25,322 Building $86,161 | $334,583 (+23.6%) Land $75,996 Building $258,586 | |
| 2022 | $6,800.00 (+4.21%) Homeowner's exemption | $90,231 (+4.91%) Land $20,969 Building $69,262 | $270,693 (+4.91%) Land $62,907 Building $207,786 |
| 2021 | $6,525.00 Homeowner's exemption | $86,008 Land $19,988 Building $66,020 | $258,024 Land $59,964 Building $198,060 |
Source: FEMA National Flood Hazard Layer as of October 8, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Holdings Fiber | 5,120 / 5,120 |
| AT&T Fiber · Fixed Wireless · DSL in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| Opiquad Fixed Wireless | 100 / 20 |
Based on FCC filings for 409 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST CHARLES serves 33,081 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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