37W378 Emerald Ct, Saint Charles, IL 60175 Property Records

Kane County property record for 37W378 Emerald Ct, Saint Charles, IL 60175

Property Summary

Property Type	Vacant Land
Lot Size	1.53 acres (66,647 sqft)
Owner	2 Individual Names on File
Last Sale	$146,000 (Oct 2025)
Tax Bill	$3,487 (2025)
Deeds & Mortgages	Oct 2025 Sale May 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-08-455-001`

Property Details

APN / Parcel Number

Primary APN	`09-08-455-001`

Exterior

Lot Area	66,647 sqft (1.53 acres)

Location & Zoning

Street Address	37W378 EMERALD CT
City	SAINT CHARLES
State	IL
Zip	60175-6257
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Legal Description	EMERALD CREEK LT 9
Legal Subdivision	EMERALD CREEK
Legal Block	3
Legal Lot Number	9
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	3
Census Block	3003
Census Tract	852101

Owner

37W378 Emerald Ct, vacant land, is owned by two individuals who bought it in October 2025.

Source: Kane County records, as of July 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	8597 N LAGOON DR, PANAMA CITY, FL 32408
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2025	Warranty Deed, Transfer E-CHICAGO TITLE, CHICAGO TITLE
May 8, 2018	Deed of Trust, Mortgage · Conventional Mortgage STC CAPITAL BANK
Apr 1, 2017	Loan Modification, Mortgage STC CAP BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 10, 2025 · Amount on File
Deed Sale	Oct 10, 2025 · Amount on File
Prior Sale	Apr 5, 2016 · Amount on File
Prior Transfer Date	Oct 29, 2010
Prior Transfer Doc	0000078464
Record Updated	Sep 20, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 10, 2025
Property Address	SAINT CHARLES, IL 60175
Document Number	0000039695
Map Reference	DOC 2007K011760
Instrument Date	Sep 26, 2025
Instrument	2025K039695
Transaction Type	Transfer
Record Updated	Oct 23, 2025
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Tax	$146.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2607 HOPPS RD #210 # 210, 210, ELGIN, IL 60124-8671

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	37W378 EMERALD CT, SAINT CHARLES, IL 60175-6257
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020931
Date	May 8, 2018
Instrument	2018K020931

Lender

Name	STC CAPITAL BANK
Type	Bank
Address	SAINT CHARLES, IL 60174

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	May 1, 2028

April 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KANE IL
Property Address	37W378 EMERALD CT, SAINT CHARLES, IL 60175-6257
Document Number	0000022365
Instrument Date	Apr 1, 2017
Transaction Type	Mortgage
Record Updated	May 25, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1948 MOORE AVE ST CHARLES IL 601744573, ST CHARLES, IL 60174-4573

Mortgage

Document Number	0000022365
Date	May 3, 2017
Instrument	22365

Lender

Name	STC CAP BK
Type	Mortgage Company
Address	SAINT CHARLES, IL 60174

Agreement

Term	24 Months
Due	May 2, 2019

Tax Assessment & Valuation

The 2025 property tax bill for 37W378 Emerald Ct was $3,487, up 2.3% from the year before.

Source: Kane County assessment roll, as of December 26, 2025

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	St. Charles Township
Unified School District	St. Charles Community Unit School District 303 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,487.00 (+2.35%)
2024	$3,407.00	$48,136 Land $48,136	$144,466 Land $144,466
2022	$3,312.00 (+5.81%)	$43,306 (+4.91%) Land $43,306	$129,918 (+4.91%) Land $129,918
2021	$3,130.00	$41,279 Land $41,279	$123,837 Land $123,837

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.

Flood

FEMA maps place 37W378 Emerald Ct in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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.

Wildfire

Wildfire risk around 37W378 Emerald 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 96% of the US · lower than 74% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 37 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
Starlink Satellite	280 / 30

May also be available: AT&T.

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