3801 Chesapeake Rd, Saint Charles, IL 60175 Property Records

Kane County property record for 3801 Chesapeake Rd, Saint Charles, IL 60175

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,582 sqft · built 2000
Lot Size	0.466 acres (20,299 sqft)
Owner	2 Company Names on Record
Tax Bill	$15,012 (2025)
Deeds & Mortgages	Jul 2026 Transfer Mar 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-16-253-010`

Property Details

APN / Parcel Number

Primary APN	`09-16-253-010`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,582 sqft Living Area
Basement Area	1,182 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,299 sqft (0.466 acres)
Garage Type	Attached
Garage Area	753 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	3801 CHESAPEAKE RD
City	SAINT CHARLES
State	IL
Zip	60175-5650
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAP AREA: 047-REDGATE
Legal Subdivision	RED GATE
Legal Block	4
Legal Lot Number	146
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	4
Census Block	4002
Census Tract	852103

Owner

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	2 Company Names on Record
Mailing Address	3801 CHESAPEAKE RD, SAINT CHARLES, IL 60175-5650
Owner Type	Company
Vesting	Trust, Revocable Living Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Mar 16, 2022	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA
Oct 15, 2018	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jun 19, 2026
Transfer Doc	0000027614
Record Updated	Sep 20, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Jul 1, 2026
Property Address	3801 CHESAPEAKE RD, SAINT CHARLES, IL 60175-5650
Document Number	0000027614
Instrument Date	Jun 19, 2026
Instrument	202627614
Transaction Type	Transfer
Record Updated	Jul 10, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	3801 CHESAPEAKE RD, SAINT CHARLES, IL 60175-5650

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	3801 CHESAPEAKE RD, ST CHARLES, IL 60175-5650
Transaction Type	Mortgage
Record Updated	Mar 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014773
Date	Mar 16, 2022
Instrument	2022K014773

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2037

Interest

Rate	3.37%

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	3801 CHESAPEAKE RD, ST CHARLES, IL 60175-5650
Document Number	0000051213
Instrument Date	Oct 15, 2018
Transaction Type	Mortgage
Record Updated	Nov 2, 2018
Title Company	OTHER

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3801 CHESAPEAKE RD ST CHARLES IL 601755650, ST CHARLES, IL 60175-5650

Mortgage

Document Number	0000051213
Date	Oct 19, 2018
Instrument	51213

Lender

Name	CITIZENS BK NA
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 18, 2048

Interest

Rate Type	Adjustable Rate
Rate	2.25%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	St. Charles Township
Municipality	St. Charles City
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	$15,012.00 (+15.99%) Homeowner's exemption	$220,846 (+8.53%) Land $42,437 Building $178,409	$662,803 (+8.53%) Land $127,362 Building $535,441
2024		$203,489 (+22.95%) Land $39,102 Building $164,387	$610,711 (+23%) Land $117,353 Building $493,358
2022	$12,942.00 (+4.04%) Homeowner's exemption	$165,500 (+4.91%) Land $33,540 Building $131,960	$496,500 (+4.91%) Land $100,620 Building $395,880
2021	$12,440.00 Homeowner's exemption	$157,754 Land $31,970 Building $125,784	$473,262 Land $95,910 Building $377,352

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

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 129 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Metronet.

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