Kane County property record for 36W870 Oak Rd, Saint Charles, IL 60175
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,374 sqft · built 1976 |
| Lot Size | 1.45 acres (63,162 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $485,000 (May 2009) |
| Tax Bill | $14,974 (2025) |
| Deeds & Mortgages | Mar 2024 Transfer Sep 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-16-376-015 |
| Primary APN | 09-16-376-015 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,374 sqft Living Area |
| Basement Area | 285 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 63,162 sqft (1.45 acres) |
| Garage Area | 760 sqft |
| Parking Spaces | 5 Parking Spaces |
| Pool Area | 720 sqft |
|---|---|
| Porch | Open Porch |
| Deck Area | Deck Area |
| Shed | 1 Shed |
| Shed Area | 79 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 36W870 OAK RD |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60175-4925 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 62 IN UNIT NO 2 MIDDLECREEK |
| Legal Subdivision | MIDDLECREEK |
| Legal Block | 4 |
| Legal Lot Number | 62 |
| Legal Unit | 2 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 852103 |
Source: Kane County assessment roll, as of August 25, 2025
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 File |
|---|---|
| Mailing Address | 36W870 OAK RD, SAINT CHARLES, IL 60175-4925 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Mar 12, 2024 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Sep 13, 2019 | Deed of Trust, Mortgage · Conventional Mortgage MIDWEST COMMUNITY BANK |
| Sep 16, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MIDWEST COMMUNITY CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 19, 2009 · Amount on Record |
| Deed Sale | May 19, 2009 · Amount on Record |
| Prior Sale | Oct 13, 2004 · Amount on Record |
| Deed Document Number | 200937656 |
| Last Transfer Date | Feb 26, 2024 |
| Transfer Doc | 0000007945 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Mar 12, 2024 |
| Property Address | 36W870 OAK RD, ST CHARLES, IL 60175-4925 |
| Document Number | 0000007945 |
| Instrument Date | Feb 26, 2024 |
| Instrument | 2024K007945 |
| Transaction Type | Transfer |
| Record Updated | Mar 20, 2024 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 36W870 OAK RD, SAINT CHARLES, IL 60175-4925 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 36W870 OAK RD, ST CHARLES, IL 60175-4925 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000042573 |
|---|---|
| Date | Sep 13, 2019 |
| Instrument | 2019K042573 |
| Name | MIDWEST COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | FREEPORT, IL 61032 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 36W870 OAK RD, ST CHARLES, IL 60175-4925 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000053303 |
|---|---|
| Date | Sep 16, 2020 |
| Instrument | 2020K053303 |
| Name | MIDWEST COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | FREEPORT, IL 61032 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.5% |
Source: Kane County assessment roll, as of August 25, 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 | $14,974.00 (+17.13%) | ||
| 2024 | $198,450 (+14.62%) Land $46,550 Building $151,900 | $595,588 (+14.67%) Land $139,706 Building $455,882 | |
| 2022 | $12,784.00 (+6.02%) Homeowner's exemption | $173,131 (+4.91%) Land $45,192 Building $127,939 | $519,393 (+4.91%) Land $135,576 Building $383,817 |
| 2021 | $12,058.00 Homeowner's exemption | $165,028 Land $43,077 Building $121,951 | $495,084 Land $129,231 Building $365,853 |
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 |
| Nearby Flood Policies | 1 in force |
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 | None beyond ember reach |
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 92 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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