Kane County property record for 36W525 Michael Ct, Saint Charles, IL 60175
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,871 sqft · built 2000 |
| Lot Size | 1.28 acres (56,192 sqft) |
| Owner | Trust Name on File |
| Last Sale | $1,100,000 (Jun 2023) |
| Tax Bill | $21,053 (2025) |
| Deeds & Mortgages | Jun 2023 Sale & Mortgage Aug 2018 Second Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-04-376-013 |
| Primary APN | 09-04-376-013 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,871 sqft Living Area |
| Basement Area | 1,275 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Wood |
| Lot Area | 56,192 sqft |
| Garage Type | Attached |
| Garage Area | 852 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 861 sqft |
| Porch | Open Porch |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 36W525 MICHAEL CT |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60175-6368 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 44 OF UNIT NO 2, SILVER GLEN ESTATES, ST CHARLES TOWNSHIP, KANE COUNTY, ILLINOIS IN THE TOWNSHIP OF ST CHARLES, KANE COUNTY, ILLINOIS |
| Legal Subdivision | SILVER GLEN ESTATES |
| Legal Block | 5 |
| Legal Lot Number | 44 |
| Legal Unit | 2 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 5 |
| Census Block | 5013 |
| Census Tract | 852103 |
36W525 Michael Ct is owner-occupied and held in a trust since June 2023.
Source: Kane County records, as of July 23, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 2950 BLANCHARD LN, WEST CHICAGO, IL 60185-5214 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 2, 2023 | Warranty Deed, Transfer · Conventional Mortgage WINTRUST MORTGAGE |
| Aug 3, 2018 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST FEDERAL SAVINGS BANK |
| Oct 2, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL SAVINGS BANK |
| Sep 23, 2020 | Deed of Trust, Mortgage · Line of Credit FIRST FEDERAL SAVINGS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 2, 2023 · Amount on File |
| Deed Sale | Jun 2, 2023 · Amount on File |
| Prior Sale | Aug 6, 2002 · Amount on File |
| Deed Document Number | 202317759 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jun 2, 2023 |
| Property Address | 36W525 MICHAEL CT, SAINT CHARLES, IL 60175-6368 |
| Document Number | 0000017759 |
| Instrument Date | May 26, 2023 |
| Instrument | 2023K017759 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,100.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 36W525 MICHAEL CT, SAINT CHARLES, IL 60175-6368 |
| Document Number | 0000017760 |
|---|---|
| Date | Jun 2, 2023 |
| Instrument | 2023K017760 |
| Name | WINTRUST MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2053 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.87% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 36W525 MICHAEL CT, SAINT CHARLES, IL 60175-6368 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000037769 |
|---|---|
| Date | Aug 3, 2018 |
| Instrument | 2018K037769 |
| Name | FIRST FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | OTTAWA, IL 61350 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Jul 26, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 36W525 MICHAEL CT, SAINT CHARLES, IL 60175-6368 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CHICAGO TITLE INSURANCE CO |
| Name | Verified Name |
|---|
| Document Number | 0000046238 |
|---|---|
| Date | Oct 2, 2019 |
| Instrument | 2019K046238 |
| Name | FIRST FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | OTTAWA, IL 61350 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.12% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Oct 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 8.12% |
| Index | 1-Year CMT |
| Max Rate | 8.12% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 36W525 MICHAEL CT, SAINT CHARLES, IL 60175-6368 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000055266 |
|---|---|
| Date | Sep 23, 2020 |
| Instrument | 2020K055266 |
| Name | FIRST FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | OTTAWA, IL 61350 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 25, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 36W525 Michael Ct was $21,053 with a homeowner's exemption.
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 | $21,053.00 | $329,403 (+10.56%) Land $60,624 Building $268,779 | $988,604 (+10.56%) Land $181,945 Building $806,660 |
| 2024 | $297,930 Land $55,859 Building $242,071 | $894,148 Land $167,644 Building $726,504 | |
| 2022 | $17,204.00 (+5.83%) | $224,920 (+4.91%) Land $52,571 Building $172,349 | $674,760 (+4.91%) Land $157,713 Building $517,047 |
| 2021 | $16,256.00 | $214,394 Land $50,111 Building $164,283 | $643,182 Land $150,333 Building $492,849 |
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.
FEMA maps place 36W525 Michael Ct in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 8, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 36W525 Michael Ct is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 70% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST CHARLES serves 33,081 people · EPA ID IL0894830 |
|---|---|
| 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, 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.
Source: FCC Broadband Data Collection, based on 112 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Xfinity Cable | 1,200 / 35 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
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