Kane County property record for 36W840 Oak Rd, Saint Charles, IL 60175 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2.5 Baths |
| Year Built | Built 1979 |
| Square Footage | 2,288 sqft Living Area |
| Lot Size | 57,935 sqft (1.33 acres) |
| Garage | Attached, 576 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $342,500 (2020) |
| Primary APN | 09-16-376-016 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 11 Rooms |
| Building Area | 2,288 sqft Living Area |
| Basement Area | 1,144 sqft Basement |
| Stories | 2 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Exterior Material | Combination Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 57,935 sqft (1.33 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 576 sqft Garage |
| Shed | 1 Shed |
|---|---|
| Shed Area | 80 sqft Shed |
| Deck Area | Deck Area |
| Porch | Open Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Heating Fuel | Gas Heating Fuel |
| Sewage | Septic Sewage |
| Water Source | Well Water Source |
| Street Address | 36W840 OAK RD |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60175-4925 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | MAP AREA: 043-MIDDLECREEK |
| Legal Subdivision | MIDDLECREEK |
| Legal Block | 4 |
| Legal Lot Number | 75 |
| Jurisdiction | KANE IL |
| Minor Civil Division | ST. CHARLES |
| Census Blockgroup | 4 |
| Census Block | 4005 |
| Census Tract | 852103 |
Source: Kane County records · APN 09-16-376-016
Assessment roll updated August 25, 2025 · Last verified July 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 | 36W840 OAK RD, SAINT CHARLES, IL 60175-4925 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Mar 19, 2024 | Deed of Trust, Mortgage · Line of Credit OLD NATIONAL BANK |
| Jan 31, 2022 | Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC |
| May 12, 2020 | Warranty Deed, Transfer · Veterans Administration Mortgage VETERANS UNITED HM LNS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 12, 2020 · Amount on Record |
| Deed Sale | May 12, 2020 · Amount on Record |
| Prior Sale | Jan 16, 2013 · Amount on Record |
| Deed Doc Number | 202024077 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 36W840 OAK RD, ST CHARLES, IL 60175-4925 |
| Transaction Type | Mortgage |
| Record Updated | Mar 26, 2024 |
| Title Company | HERITAGE TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 36W840 OAK RD, SAINT CHARLES, IL 60175-4925 |
| Document Number | 0000008814 |
|---|---|
| Date | Mar 19, 2024 |
| Instrument | 2024K008814 |
| Name | OLD NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | ELBURN, IL 60119 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 24, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 36W840 OAK RD, ST CHARLES, IL 60175-4925 |
| Transaction Type | Mortgage |
| Record Updated | Feb 04, 2022 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000005939 |
|---|---|
| Date | Jan 31, 2022 |
| Instrument | 2022K005939 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MD 21046 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | May 12, 2020 |
| Property Address | 36W840 OAK RD, ST CHARLES, IL 60175-4925 |
| Document Number | 0000024077 |
| Instrument Date | Apr 29, 2020 |
| Instrument | 24077 |
| Transaction Type | Transfer |
| Record Updated | Jul 15, 2020 |
| Title Company | ATTORNEY'S TITLE, ATTORNEYS TITLE GUARANTY FUND |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $514.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 480 CHARLES CT SOUTH ELGIN IL 601771002, SOUTH ELGIN, IL 60177-1002 |
| Document Number | 24078 |
|---|---|
| Date | May 12, 2020 |
| Instrument | 24078 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 11, 2050 |
| Rate Type | Fixed Rate |
|---|
Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 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) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | Homeowner's exemption Veteran's exemption | ||
| 2024 | $139,775 (+13.98%) Land $46,550 Building $93,225 | $419,493 (+14.02%) Land $139,706 Building $279,787 | |
| 2022 | $8,921.00 (+6.1%) Homeowner's exemption | $122,633 (+4.91%) Land $45,192 Building $77,441 | $367,899 (+4.91%) Land $135,576 Building $232,323 |
| 2021 | $8,408.00 Homeowner's exemption | $116,894 Land $43,077 Building $73,817 | $350,682 Land $129,231 Building $221,451 |
36W840 Oak Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.
Source: FEMA National Flood Hazard Layer · Kane County (17089C), updated October 8, 2026
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach of burnable land |
Values are read at the parcel center point; lenders make the official flood determination.
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