35W764 Bluff Dr, Saint Charles, IL 60175 Property Records

Kane County property record for 35W764 Bluff Dr, Saint Charles, IL 60175

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,578 sqft · built 1965
Lot Size	0.496 acres (21,606 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,931 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`09-15-302-004`

Property Details

APN / Parcel Number

Primary APN	`09-15-302-004`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,578 sqft Living Area
1st Floor Area	1,578 sqft
Basement Area	789 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1969
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,606 sqft (0.496 acres)
Garage Type	Attached
Garage Area	576 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	35W764 BLUFF DR
City	SAINT CHARLES
State	IL
Zip	60175-5191
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAP AREA: 045-FRMNGTN,FLDCREST
Legal Subdivision	FARMINGTON
Legal Block	1
Legal Lot Number	4
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	1
Census Block	1031
Census Tract	852103

Owner

Source: Kane County assessment roll, 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 Record	2 Individual Names on File
Mailing Address	35W764 BLUFF DR, SAINT CHARLES, IL 60175-5191
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	35W764 BLUFF DR, SAINT CHARLES, IL 60175-5191
Transaction Type	Mortgage
Record Updated	Jun 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35W764 BLUFF DR, SAINT CHARLES, IL 60175-5191

Mortgage

Document Number	0000017491
Date	Jun 1, 2023
Instrument	2023K017491

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	May 28, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	St. Charles Township
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	$6,931.00 (+2.86%) Homeowner's exemption Senior Citizen's exemption	$119,822 (+8.53%) Land $40,417 Building $79,405	$359,610 (+8.53%) Land $121,300 Building $238,310
2024		$110,404 (+17.34%) Land $37,240 Building $73,164	$331,345 (+17.39%) Land $111,765 Building $219,580
2022	$6,738.00 (+6.19%) Homeowner's exemption	$94,089 (+4.91%) Land $36,893 Building $57,196	$282,267 (+4.91%) Land $110,679 Building $171,588
2021	$6,345.00 Homeowner's exemption	$89,685 Land $35,166 Building $54,519	$269,055 Land $105,498 Building $163,557

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Flood Insurance Cost	Premium on Record median of 13 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	1 (2022)
Most Recent Claim	Sep 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 Risk	Low lower than 94% of the US · lower than 65% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Holdings Fiber	5,120 / 5,120
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20
AT&T DSL	100 / 20