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38W025 Pine Rd, Saint Charles, IL 60175 Property Records

Kane County property record for 38W025 Pine Rd, Saint Charles, IL 60175 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,618 sqft · built 1972
Lot Size1.11 acres (48,352 sqft)
Owner2 Individual Names on File
Last Sale$240,000 (Feb 2002)
Tax Bill$4,940 (2025)
Deeds & MortgagesMay 2024 Line of Credit
Jun 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN09-06-277-010

Property Details

APN / Parcel Number

Primary APN09-06-277-010

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms7 Rooms
Stories1 Story
Building Area1,618 sqft Living Area
1st Floor Area1,618 sqft
Basement Area462 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1972
Effective Year BuiltEffective 1972
Architectural StyleSplit Level
Exterior MaterialCombination
Roof TypeGable
Roof MaterialAsphalt
Lot Area48,352 sqft (1.11 acres)
Garage TypeAttached
Garage Area440 sqft
Parking Spaces2 Parking Spaces
Deck AreaDeck Area

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Street Address38W025 PINE RD
CitySAINT CHARLES
StateIL
Zip60175-5421
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description64
Legal SubdivisionMARGATE SUB
Legal Block5
Legal Lot Number64
JurisdictionKANE IL
Township / Civil DivisionST. CHARLES
Census Block Group5
Census Block5022
Census Tract852101

Owner

Source: Kane County records · APN 09-06-277-010

Assessment roll updated August 25, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address38W025 PINE RD, SAINT CHARLES, IL 60175-5421
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
May 16, 2024Deed of Trust, Mortgage · Line of Credit
THIRD FSLA OF CLEVELAND
Jun 15, 2021Deed of Trust, Mortgage · Conventional Mortgage
FIRST CENTENNIAL MORTGAGE CORP

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 27, 2002 · Amount on Record
Deed SaleFeb 27, 2002 · Amount on Record
Deed Document Number200228817
Prior Transfer DateAug 27, 2001
Prior Transfer Doc0000090407
Record UpdatedSep 20, 2026

May 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address38W025 PINE RD, ST CHARLES, IL 60175-5421
Transaction TypeMortgage
Record UpdatedMay 22, 2024
Title CompanyTITLE365 - OMAHA, TITLE365 OMAHA

Transferred To (Grantee/Buyer)

NameVerified Name
Address38W025 PINE RD, SAINT CHARLES, IL 60175-5421

Mortgage

Document Number0000016350
DateMay 16, 2024
Instrument2024K016350
Lender
NameTHIRD FSLA OF CLEVELAND
TypeBank
AddressCLEVELAND, OH 44105
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueMay 03, 2054
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

June 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address38W025 PINE RD, ST CHARLES, IL 60175-5421
Transaction TypeMortgage
Record UpdatedJun 30, 2021
Title CompanyCT

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000045793
DateJun 15, 2021
Instrument2021K045793
Lender
NameFIRST CENTENNIAL MORTGAGE CORP
TypeMortgage Company
AddressNAPERVILLE, IL 60565
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueJun 01, 2036
Interest
Rate TypeFixed Rate
Rate2.87%

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionSt. Charles Township
Unified School DistrictSt. Charles Community Unit School District 303 (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$4,940.00 (+11.44%) Homeowner's exemption Senior Citizen's exemption
2024$4,433.00 (-36.51%)$75,322 (-22.43%) Land $44,688 Building $30,634$226,056 (-22.4%) Land $134,118 Building $91,939
2022$6,982.00 (+4.52%) Homeowner's exemption$97,099 (+4.91%) Land $39,770 Building $57,329$291,297 (+4.91%) Land $119,310 Building $171,987
2021$6,680.00 Homeowner's exemption$92,555 Land $37,909 Building $54,646$277,665 Land $113,727 Building $163,938

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170898521015, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies2 in force

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 124 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable1,200 / 35
VerizonFixed Wireless300 / 20
AT&TDSL100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: T-Mobile USA, Metronet Holdings, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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