Kane County property record for 35W814 Bluff Dr, Saint Charles, IL 60175
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,416 sqft · built 1972 |
| Lot Size | 0.496 acres (21,606 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $420,000 (May 2023) |
| Tax Bill | $8,719 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage May 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-15-302-002 |
| Primary APN | 09-15-302-002 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,416 sqft Living Area |
| 1st Floor Area | 1,416 sqft |
| Basement Area | 1,288 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Architectural Style | Split Level |
| Exterior Material | Combination |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 21,606 sqft (0.496 acres) |
| Garage Type | Attached |
| Garage Area | 544 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 35W814 BLUFF DR |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60175-5193 |
| 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 | 2 |
| 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 21, 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 Record |
|---|---|
| Mailing Address | 35W814 BLUFF DR, SAINT CHARLES, IL 60175-5193 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Feb 19, 2026 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC |
| May 1, 2023 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Jul 10, 2017 | Deed of Trust, Mortgage · Line of Credit KANE COUNTY TEACHERS CU |
| Sep 1, 2020 | Deed of Trust, Mortgage · Conventional Mortgage KANE COUNTY TEACHERS CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 1, 2023 · Amount on Record |
| Deed Sale | May 1, 2023 · Amount on Record |
| Deed Document Number | 202313673 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 35W814 BLUFF DR, ST CHARLES, IL 60175-5193 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2026 |
| Name | Verified Name |
|---|---|
| Address | 35W814 BLUFF DR, SAINT CHARLES, IL 60175-5193 |
| Document Number | 0000006700 |
|---|---|
| Date | Feb 19, 2026 |
| Instrument | 2026K006700 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Rate | 5.99% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | May 1, 2023 |
| Property Address | 35W814 BLUFF DR, ST CHARLES, IL 60175-5193 |
| Document Number | 0000013673 |
| Instrument Date | Apr 21, 2023 |
| Instrument | 2023K013673 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2023 |
| Title Company | GREATER ILLINOIS TITLE COMPANY, GREATER ILLINOIS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $420.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 35W814 BLUFF DR, ST CHARLES, IL 60175-5193 |
| Document Number | 0000013674 |
|---|---|
| Date | May 1, 2023 |
| Instrument | 2023K013674 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2053 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 7.37% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 35W814 BLUFF DR, ST CHARLES, IL 60175-5193 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000035241 |
|---|---|
| Date | Jul 10, 2017 |
| Instrument | 2017K035241 |
| Name | KANE COUNTY TEACHERS CU |
|---|---|
| Type | Credit Union |
| Address | ELGIN, IL 60123 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 35W814 BLUFF DR, ST CHARLES, IL 60175-5193 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | HALLMARK TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000049947 |
|---|---|
| Date | Sep 1, 2020 |
| Instrument | 2020K049947 |
| Name | KANE COUNTY TEACHERS CU |
|---|---|
| Type | Credit Union |
| Address | ELGIN, IL 60123 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2050 |
Source: Kane County assessment roll, as of December 26, 2025
| 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 | $8,719.00 (+32.99%) | ||
| 2024 | $127,707 (+32.05%) Land $37,240 Building $90,467 | $383,274 (+32.1%) Land $111,765 Building $271,510 | |
| 2022 | $6,556.00 (+6.5%) Homeowner's exemption | $96,713 (+4.91%) Land $36,893 Building $59,820 | $290,139 (+4.91%) Land $110,679 Building $179,460 |
| 2021 | $6,156.00 Homeowner's exemption | $92,186 Land $35,166 Building $57,020 | $276,558 Land $105,498 Building $171,060 |
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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