3804 Chesapeake Rd, Saint Charles, IL 60175 Property Records

Kane County property record for 3804 Chesapeake Rd, Saint Charles, IL 60175

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,745 sqft · built 2000
Lot Size	0.527 acres (22,956 sqft)
Owner	Individual Name on Record
Last Sale	$449,900 (Mar 2015)
Tax Bill	$18,006 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Apr 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-16-252-005`

Property Details

APN / Parcel Number

Primary APN	`09-16-252-005`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,745 sqft Living Area
Basement Area	1,376 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Traditional
Exterior Material	Combination
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	22,956 sqft (0.527 acres)
Garage Type	Attached
Garage Area	704 sqft
Parking Spaces	2 Parking Spaces
Pool Area	648 sqft
Porch	Open Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	3804 CHESAPEAKE RD
City	SAINT CHARLES
State	IL
Zip	60175-5635
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 145 IN RED GATE SUB UNIT 7
Legal Subdivision	RED GATE SUB
Legal Block	4
Legal Lot Number	145
Legal Unit	7
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	4
Census Block	4000
Census Tract	852103

Owner

Source: Kane County records, as of July 21, 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	3804 CHESAPEAKE RD, SAINT CHARLES, IL 60175-5635
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2020	Deed of Trust, Mortgage CENTRUST BK NA
Apr 5, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA
Mar 18, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 20, 2015 · Amount on Record
Deed Sale	Mar 20, 2015 · Amount on Record
Prior Sale	Mar 12, 2015 · Amount on Record
Deed Document Number	201513725
Last Transfer Date	Mar 18, 2019
Transfer Doc	0000010401
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	3804 CHESAPEAKE RD, ST CHARLES, IL 60175-5635
Document Number	0000071156
Instrument Date	Sep 14, 2020
Transaction Type	Mortgage
Record Updated	Dec 3, 2020
Title Company	PRECISION TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3804 CHESAPEAKE RD ST CHARLES IL 601755635, ST CHARLES, IL 60175-5635

Mortgage

Document Number	0000071156
Date	Nov 18, 2020
Instrument	71156

Lender

Name	CENTRUST BK NA
Type	Bank
Address	385 WAUKEGAN RD, NORTHBROOK, IL 60062-1230

Agreement

Amount	Amount Recorded

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	3804 CHESAPEAKE RD, ST CHARLES, IL 60175-5635
Document Number	0000014814
Instrument Date	Apr 5, 2019
Transaction Type	Mortgage
Record Updated	Apr 24, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3804 CHESAPEAKE RD ST CHARLES IL 601755635, ST CHARLES, IL 60175-5635

Mortgage

Document Number	0000014814
Date	Apr 17, 2019
Instrument	14814

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 16, 2049

Interest

Rate	4.37%

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Mar 18, 2019
Property Address	3804 CHESAPEAKE RD, ST CHARLES, IL 60175-5635
Document Number	0000010401
Instrument Date	Mar 18, 2019
Instrument	10401
Transaction Type	Transfer
Record Updated	Mar 26, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3804 CHESAPEAKE RD ST CHARLES IL 601755635, ST CHARLES, IL 60175-5635

Tax Assessment & Valuation

Source: Kane County assessment roll, as of August 25, 2025

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	$18,006.00 (+10.7%) Homeowner's exemption
2024		$242,595 (+19.21%) Land $40,964 Building $201,631	$728,076 (+19.25%) Land $122,941 Building $605,135
2022	$16,266.00 (+5.55%) Homeowner's exemption	$203,509 (+4.91%) Land $38,552 Building $164,957	$610,527 (+4.91%) Land $115,656 Building $494,871
2021	$15,410.00 Homeowner's exemption	$193,985 Land $36,748 Building $157,237	$581,955 Land $110,244 Building $471,711

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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