Kane County property record for 35W788 Bluff Dr, Saint Charles, IL 60175
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 3,298 sqft · built 1969 |
| Lot Size | 0.496 acres (21,600 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $400,000 (Jul 2018) |
| Tax Bill | $12,455 (2025) |
| Deeds & Mortgages | May 2022 Line of Credit Mar 2021 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-15-302-003 |
| Primary APN | 09-15-302-003 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 3,298 sqft Living Area |
| Basement Area | 1,212 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 21,600 sqft (0.496 acres) |
| Garage Type | Attached |
| Garage Area | 1,046 sqft |
| Parking Spaces | 6 Parking Spaces |
| Pool Area | 512 sqft |
|---|---|
| Porch | Open Porch |
| Deck Area | Deck Area |
| Shed | 1 Shed |
| Shed Area | 226 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 35W788 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 | 3 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 852103 |
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 Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 35W788 BLUFF DR, SAINT CHARLES, IL 60175-5191 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Life Tenant |
| Date | Document |
|---|---|
| May 10, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Mar 30, 2021 | Intrafamily Transfer, Transfer |
| Jul 1, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNION HOME MORTGAGE CORP |
| Jul 13, 2018 | Trustee's Deed, Foreclosure · Conventional Mortgage PNC BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 13, 2018 · Amount on Record |
| Deed Sale | Jul 13, 2018 · Amount on Record |
| Deed Document Number | 201833831 |
| Last Transfer Date | Mar 16, 2021 |
| Transfer Doc | 0000024640 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 35W788 BLUFF DR, ST CHARLES, IL 60175-5191 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|---|
| Address | 35W788 BLUFF DR, SAINT CHARLES, IL 60175-5191 |
| Document Number | 0000025117 |
|---|---|
| Date | May 10, 2022 |
| Instrument | 2022K025117 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Apr 25, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Mar 30, 2021 |
| Property Address | 35W788 BLUFF DR, ST CHARLES, IL 60175-5191 |
| Document Number | 0000024640 |
| Instrument Date | Mar 16, 2021 |
| Instrument | 2021K024640 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 35W788 BLUFF DR, SAINT CHARLES, IL 60175-5191 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 35W788 BLUFF DR, ST CHARLES, IL 60175-5191 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000035080 |
|---|---|
| Date | Jul 1, 2020 |
| Instrument | 2020K035080 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | STRONGSVILLE, OH 44136 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jun 1, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.25% |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jul 13, 2018 |
| Property Address | 35W788 BLUFF DR, ST CHARLES, IL 60175-5191 |
| Document Number | 0000033831 |
| Instrument Date | Jun 29, 2018 |
| Instrument | 2018K033831 |
| Transaction Type | Foreclosure |
| Record Updated | Jul 27, 2021 |
| Title Company | GREATER ILLINOIS TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $400.00 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 327 S 1ST ST, GENEVA, IL 60134-2705 |
| Document Number | 0000033832 |
|---|---|
| Date | Jul 13, 2018 |
| Instrument | 2018K033832 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2048 |
| Rate | 4.5% |
|---|
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | St. Charles Township |
| Unified School District | St. Charles Community Unit School District 303 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $12,455.00 (+13.22%) Homeowner's exemption | $202,723 (+8.53%) Land $40,417 Building $162,306 | $608,412 (+8.53%) Land $121,300 Building $487,113 |
| 2024 | $186,789 (+24.67%) Land $37,240 Building $149,549 | $560,591 (+24.72%) Land $111,765 Building $448,827 | |
| 2022 | $11,001.00 (+6.04%) Homeowner's exemption | $149,825 (+4.91%) Land $36,893 Building $112,932 | $449,475 (+4.91%) Land $110,679 Building $338,796 |
| 2021 | $10,374.00 Homeowner's exemption | $142,813 Land $35,166 Building $107,647 | $428,439 Land $105,498 Building $322,941 |
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.
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.
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 |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 43 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 |
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