3805 Chesapeake Rd, Saint Charles, IL 60175 Property Records

Kane County property record for 3805 Chesapeake Rd, Saint Charles, IL 60175

Property Summary

Property Type	Single Family Home
Details	5 bd · 1 ba · 3,425 sqft · built 1999
Lot Size	0.433 acres (18,844 sqft)
Owner	2 Individual Names on Record
Last Sale	$520,000 (Sep 2020)
Tax Bill	$16,258 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Sep 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-16-253-006`

Property Details

APN / Parcel Number

Primary APN	`09-16-253-006`

Interior

Bedrooms	5 Beds
Full Baths	1 Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,425 sqft Living Area
Basement Area	1,160 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,844 sqft (0.433 acres)
Garage Type	Attached
Garage Area	650 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3805 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	148
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 21, 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 Record
Mailing Address	3805 CHESAPEAKE RD, SAINT CHARLES, IL 60175-5650
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2026	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK N A
Sep 4, 2020	Deed, Transfer · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CORP
Nov 13, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2020 · Amount on Record
Deed Sale	Sep 4, 2020 · Amount on Record
Prior Sale	May 31, 2001 · Amount on Record
Deed Document Number	202050728
Prior Transfer Date	Nov 8, 2017
Prior Transfer Doc	0000059386
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Recording Date	Apr 29, 2026
Property Address	3805 CHESAPEAKE RD, ST CHARLES, IL 60175-5650
Document Number	0000017448
Instrument Date	Apr 21, 2026
Instrument	202617448
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	3805 CHESAPEAKE RD, ST CHARLES, IL 60175-5650
Investor	Possibly a Property Investor

Mortgage

Document Number	0000017448,
Date	Apr 29, 2026
Instrument	202617448

Lender

Name	JPMORGAN CHASE BANK N A

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.38%
Max Rate	-1%

September 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	KANE IL
Recording Date	Sep 4, 2020
Property Address	3805 CHESAPEAKE RD, ST CHARLES, IL 60175-5650
Document Number	0000050728
Instrument Date	Aug 20, 2020
Instrument	2020K050728
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$520.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	611 FOREST DRIVE, 611, GENEVA, IL

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3805 CHESAPEAKE RD, SAINT CHARLES, IL 60175-5650

Mortgage

Document Number	0000050729
Date	Sep 4, 2020
Instrument	2020K050729

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2035

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Nov 13, 2017
Property Address	3805 CHESAPEAKE RD, ST CHARLES, IL 60175-5650
Document Number	0000059386
Instrument Date	Nov 8, 2017
Instrument	59386
Transaction Type	Transfer
Record Updated	Nov 30, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	3805 CHESAPEAKE RD ST CHARLES IL 601755650, ST CHARLES, IL 60175-5650

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	$16,258.00 (+2.83%) Homeowner's exemption
2024	$15,811.00 (+15.93%)	$219,764 (+26.24%) Land $39,102 Building $180,662	$659,556 (+26.3%) Land $117,353 Building $542,203
2022	$13,638.00 (+4.03%) Homeowner's exemption	$174,078 (+4.91%) Land $32,769 Building $141,309	$522,234 (+4.91%) Land $98,307 Building $423,927
2021	$13,110.00 Homeowner's exemption	$165,930 Land $31,235 Building $134,695	$497,790 Land $93,705 Building $404,085

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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