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35W725 Bluff Dr, Saint Charles, IL 60175 Property Records

Kane County property record for 35W725 Bluff Dr, Saint Charles, IL 60175

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,106 sqft · built 1971
Lot Size0.544 acres (23,697 sqft)
Owner2 Individual Names on Record
Last Sale$415,000 (Jun 2024)
Tax Bill$8,684 (2025)
Deeds & MortgagesJun 2023 Line of Credit
Flood ZoneZone X (minimal risk)
APN09-15-353-004

Property Details

APN / Parcel Number

Primary APN09-15-353-004

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Stories2 Stories
Building Area2,106 sqft Living Area
Basement Area1,008 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1971
Effective Year BuiltEffective 1971
Exterior MaterialCombination
Construction TypeFrame
Foundation TypeConcrete
Roof TypeGable
Roof MaterialAsphalt
Lot Area23,697 sqft (0.544 acres)
Garage TypeAttached
Garage Area528 sqft
Parking Spaces2 Parking Spaces
Pool Area419 sqft
PorchOpen Porch
Deck AreaDeck Area

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Street Address35W725 BLUFF DR
CitySAINT CHARLES
StateIL
Zip60175-5192
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionFARMINGTON3 4
Legal SubdivisionFARMINGTON
Legal Block1
Legal Lot Number4
JurisdictionKANE IL
Township / Civil DivisionST. CHARLES
Census Block Group1
Census Block1033
Census Tract852103

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 Address35W725 BLUFF DR, SAINT CHARLES, IL 60175-5192
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 4, 2024 · Amount on Record
Deed SaleJun 4, 2024 · Amount on Record
Prior SaleSep 2, 1994 · Amount on Record
Deed Document Number202418916
Record UpdatedOct 29, 2026

June 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address35W725 BLUFF DR, SAINT CHARLES, IL 60175-5192
Transaction TypeMortgage
Record UpdatedJun 21, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000018850
DateJun 9, 2023
Instrument2023K018850
Lender
NameFIRST AMERICAN BANK
TypeBank
AddressHAMPSHIRE, IL 60140
Agreement
TypeLine of Credit
AmountAmount Recorded
Term121 Months
DueJul 1, 2033
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly
Min Rate At Change4.25%
Max Rate18%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$8,684.00 (+16.52%)$138,079 (+8.53%) Land $40,417 Building $97,662$414,403 (+8.53%) Land $121,300 Building $293,103
2024$127,226 (+17.32%) Land $37,240 Building $89,986$381,831 (+17.36%) Land $111,765 Building $270,066
2022$7,453.00 (+6.41%) Homeowner's exemption$108,447 (+4.91%) Land $36,893 Building $71,554$325,341 (+4.91%) Land $110,679 Building $214,662
2021$7,004.00 Homeowner's exemption$103,371 Land $35,166 Building $68,205$310,113 Land $105,498 Building $204,615

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
Flood Insurance CostPremium on Record
median of 13 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies13 in force
Nearby Flood Claims1 (2022)
Most Recent ClaimSep 2022 · other causes

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 97% of the US · lower than 79% 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 111 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
T-Mobile
Fixed Wireless		100 / 20
AT&T
DSL · Fixed Wireless in parts of the area		100 / 20

May also be available: Metronet, Verizon.

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