Kane County property record for 38W331 Bernice Dr, Saint Charles, IL 60175 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,836 sqft · built 1976 |
| Lot Size | 0.494 acres (21,513 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $310,000 (Oct 2019) |
| Tax Bill | $7,629 (2025) |
| Deeds & Mortgages | Sep 2022 Line of Credit Oct 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-30-404-025 |
| Primary APN | 09-30-404-025 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,836 sqft Living Area |
| 1st Floor Area | 1,836 sqft |
| Basement Area | 440 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Split Level |
| Exterior Material | Combination |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 21,513 sqft (0.494 acres) |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Deck Area | Deck Area |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 38W331 BERNICE DR |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60175-6006 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MAP AREA: 014-LKECHRLT,RNBWHIL |
| Legal Subdivision | LAKE CHARLOTTE |
| Legal Block | 2 |
| Legal Lot Number | 16 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 852204 |
Source: Kane County records · APN 09-30-404-025
Assessment roll updated December 26, 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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 38W331 BERNICE DR, SAINT CHARLES, IL 60175-6006 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Sep 15, 2022 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Oct 24, 2019 | Warranty Deed, Transfer · Conventional Mortgage THE FEDERAL SAVINGS BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 24, 2019 · Amount on Record |
| Deed Sale | Oct 24, 2019 · Amount on Record |
| Deed Document Number | 201951090 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 38W331 BERNICE DR, ST CHARLES, IL 60175-6006 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2022 |
| Name | Verified Name |
|---|---|
| Address | 38W331 BERNICE DR, SAINT CHARLES, IL 60175-6006 |
| Document Number | 0000046224 |
|---|---|
| Date | Sep 15, 2022 |
| Instrument | 2022K046224 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | DAYTON, OH 45401 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Sep 13, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Oct 24, 2019 |
| Property Address | 38W331 BERNICE DR, ST CHARLES, IL 60175-6006 |
| Document Number | 0000051090 |
| Instrument Date | Oct 17, 2019 |
| Instrument | 2019K051090 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | CHICAGO TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $310.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 38W331 BERNICE DR, SAINT CHARLES, IL 60175-6006 |
| Document Number | 0000051091 |
|---|---|
| Date | Oct 24, 2019 |
| Instrument | 2019K051091 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.62% |
Source: Kane County records · Assessment roll updated December 26, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | St. Charles Township |
| Unified School District | St. Charles Community Unit School District 303 (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,629.00 (+15.21%) Homeowner's exemption | ||
| 2024 | $112,666 (+21.71%) Land $30,537 Building $82,129 | $338,133 (+21.75%) Land $91,648 Building $246,486 | |
| 2022 | $6,622.00 (+6.19%) Homeowner's exemption | $92,573 (+4.91%) Land $26,563 Building $66,010 | $277,719 (+4.91%) Land $79,689 Building $198,030 |
| 2021 | $6,236.00 Homeowner's exemption | $88,241 Land $25,320 Building $62,921 | $264,723 Land $75,960 Building $188,763 |
Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 304 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Metronet Holdings | Fiber | 5,120 / 5,120 |
| Xfinity | Cable | 1,200 / 35 |
| Verizon | Fixed Wireless | 300 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| AT&T | Fixed Wireless | 100 / 20 |
| AT&T | DSL | 100 / 20 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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