Kane County property record for 36W548 Michael Ct, Saint Charles, IL 60175
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,772 sqft · built 1993 |
| Lot Size | 1.31 acres (57,064 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $800,000 (Jul 2022) |
| Tax Bill | $17,429 (2025) |
| Deeds & Mortgages | Mar 2026 Line of Credit Jul 2022 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-04-376-012 |
| Primary APN | 09-04-376-012 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,772 sqft Living Area |
| Basement Area | 639 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Traditional |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Wood |
| Lot Area | 57,064 sqft |
| Garage Type | Attached |
| Garage Area | 864 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 36W548 MICHAEL CT |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60175-6368 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SILVER GLEN ESTATES UNIT NO. 2 - LOT 43 |
| Legal Subdivision | SILVER GLEN ESTATES |
| Legal Block | 5 |
| Legal Lot Number | 43 |
| Legal Unit | 2 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 5 |
| Census Block | 5013 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 36W548 MICHAEL CT, SAINT CHARLES, IL 60175-6368 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 4, 2026 | Deed of Trust, Mortgage · Line of Credit BMO BANK NA |
| Jul 5, 2022 | Warranty Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Apr 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PLAZA HOME MORTGAGE BANK |
| Oct 9, 2018 | Deed of Trust, Mortgage · Conventional Mortgage PLAZA HOME MORTGAGE INC |
| Mar 9, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 5, 2022 · Amount on Record |
| Deed Sale | Jul 5, 2022 · Amount on Record |
| Prior Sale | Oct 28, 1999 · Amount on Record |
| Deed Document Number | 202234335 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 36W548 MICHAEL CT, ST CHARLES, IL 60175-6368 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2026 |
| Name | Verified Name |
|---|---|
| Address | 36W548 MICHAEL CT, SAINT CHARLES, IL 60175-6368 |
| Document Number | 0000008722 |
|---|---|
| Date | Mar 4, 2026 |
| Instrument | 2026K008722 |
| Name | BMO BANK NA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60606 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 2, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 8.41% |
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jul 5, 2022 |
| Property Address | 36W548 MICHAEL CT, SAINT CHARLES, IL 60175-6368 |
| Document Number | 0000034335 |
| Instrument Date | Jun 21, 2022 |
| Instrument | 2022K034335 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2022 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $800.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 36W548 MICHAEL CT, 36W548, SAINT CHARLES, IL 60175-6368 |
| Name | Verified Name |
|---|---|
| Address | 36W548 MICHAEL CT, SAINT CHARLES, IL 60175-6368 |
| Document Number | 0000034336 |
|---|---|
| Date | Jul 5, 2022 |
| Instrument | 2022K034336 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.87% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 36W548 MICHAEL CT, SAINT CHARLES, IL 60175-6368 |
| Transaction Type | Mortgage |
| Record Updated | May 5, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000032355 |
|---|---|
| Date | Apr 26, 2021 |
| Instrument | 2021K032355 |
| Name | PLAZA HOME MORTGAGE BANK |
|---|---|
| Type | Mortgage Company |
| Address | ITASCA, IL 60143 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Rate | 2.75% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 36W548 MICHAEL CT, SAINT CHARLES, IL 60175-6368 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000049275 |
|---|---|
| Date | Oct 9, 2018 |
| Instrument | 2018K049275 |
| Name | PLAZA HOME MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | ITASCA, IL 60143 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2048 |
| Rate | 4.75% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 36W548 MICHAEL CT, SAINT CHARLES, IL 60175-6368 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000012249 |
|---|---|
| Date | Mar 9, 2020 |
| Instrument | 2020K012249 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2050 |
| Rate | 3.47% |
|---|
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 | $17,429.00 (+8.45%) Homeowner's exemption | $269,065 (+8.53%) Land $60,624 Building $208,441 | $807,518 (+8.53%) Land $181,945 Building $625,573 |
| 2024 | $247,917 (+14.72%) Land $55,859 Building $192,058 | $744,049 (+14.76%) Land $167,644 Building $576,405 | |
| 2022 | $16,071.00 (+5.97%) Homeowner's exemption | $216,112 (+4.91%) Land $52,571 Building $163,541 | $648,336 (+4.91%) Land $157,713 Building $490,623 |
| 2021 | $15,165.00 Homeowner's exemption | $205,998 Land $50,111 Building $155,887 | $617,994 Land $150,333 Building $467,661 |
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
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 86% 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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