38W090 Pine Rd, Saint Charles, IL 60175 Property Records

Kane County property record for 38W090 Pine Rd, Saint Charles, IL 60175

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,083 sqft · built 1977
Lot Size	1.03 acres (45,302 sqft)
Owner	Individual Name on Record
Last Sale	$307,000 (May 2017)
Tax Bill	$12,193 (2025)
Deeds & Mortgages	Apr 2021 Mortgage May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-06-276-006`

Property Details

APN / Parcel Number

Primary APN	`09-06-276-006`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,083 sqft Living Area
1st Floor Area	2,083 sqft
Basement Area	2,083 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Ranch
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	45,302 sqft
Garage Type	Attached
Garage Area	806 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	530 sqft
Deck Area	Deck Area
Shed	1 Shed
Shed Area	125 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	38W090 PINE RD
City	SAINT CHARLES
State	IL
Zip	60175-6886
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 60 OF MARGATE SUB
Legal Subdivision	MARGATE SUB
Legal Block	5
Legal Lot Number	60
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	5
Census Block	5022
Census Tract	852101

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	Individual Name on Record
Mailing Address	38W090 PINE RD, SAINT CHARLES, IL 60175-6886
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA
May 8, 2017	Warranty Deed, Transfer · Conventional with PMI PEOPLES HM EQUITY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 8, 2017 · Amount on Record
Deed Sale	May 8, 2017 · Amount on Record
Prior Sale	Jun 29, 2005 · Amount on Record
Deed Document Number	201723222
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	38W090 PINE RD, ST CHARLES, IL 60175-6886
Transaction Type	Mortgage
Record Updated	Apr 28, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029509
Date	Apr 15, 2021
Instrument	2021K029509

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 1, 2041

Interest

Rate	3.12%

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 8, 2017
Property Address	38W090 PINE RD, ST CHARLES, IL 60175-6886
Document Number	0000023222
Instrument Date	Apr 28, 2017
Instrument	23222
Transaction Type	Transfer
Record Updated	May 24, 2017
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$460.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	803 N ROSE FARM RD WOODSTOCK IL 600989579, WOODSTOCK, IL 60098-9579

Mortgage

Document Number	23223
Date	May 8, 2017
Instrument	23223

Lender

Name	PEOPLES HM EQUITY
Type	Funding / Finance Company
Address	BRENTWOOD, TN 37027

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 7, 2047

Interest

Rate Type	Fixed Rate
Rate	4.5%

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
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	$12,193.00 (+11.18%) Homeowner's exemption	$180,709 (+8.53%) Land $48,500 Building $132,209	$542,344 (+8.53%) Land $145,558 Building $396,786
2024		$166,506 (+17.88%) Land $44,688 Building $121,818	$499,718 (+17.93%) Land $134,118 Building $365,600
2022	$10,967.00 (+4.09%) Homeowner's exemption	$141,248 (+4.91%) Land $39,770 Building $101,478	$423,744 (+4.91%) Land $119,310 Building $304,434
2021	$10,536.00 Homeowner's exemption	$134,638 Land $37,909 Building $96,729	$403,914 Land $113,727 Building $290,187

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
Community Rating System	Class 5 (25% premium discount)
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

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

Wildfire Risk	Low lower than 98% of the US · lower than 86% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 124 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
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: Metronet, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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