38W340 Pine Rd, Saint Charles, IL 60175 Property Records

Kane County property record for 38W340 Pine Rd, Saint Charles, IL 60175

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 3,841 sqft · built 2000
Lot Size	1.01 acres (43,996 sqft)
Owner	2 Individual Names on File
Last Sale	$390,000 (Jul 2012)
Tax Bill	$15,970 (2025)
Deeds & Mortgages	Jan 2022 Line of Credit Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-06-253-004`

Property Details

APN / Parcel Number

Primary APN	`09-06-253-004`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,841 sqft Living Area
Basement Area	1,421 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,996 sqft (1.01 acres)
Garage Type	Attached
Garage Area	690 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Deck Area	Deck Area

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	38W340 PINE RD
City	SAINT CHARLES
State	IL
Zip	60175-5486
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAP AREA: 032-THREE LAKES
Legal Subdivision	THREE LAKES
Legal Block	2
Legal Lot Number	90
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2000
Census Tract	852101

Owner

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

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	38W340 PINE RD, SAINT CHARLES, IL 60175-5486
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2022	Deed of Trust, Mortgage · Line of Credit UNION NATIONAL BANK
Sep 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage CIBM BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 10, 2012 · Amount on Record
Deed Sale	Jul 10, 2012 · Amount on Record
Prior Sale	Dec 29, 2005 · Amount on Record
Deed Document Number	201244503
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	38W340 PINE RD, ST CHARLES, IL 60175-5486
Transaction Type	Mortgage
Record Updated	Feb 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38W340 PINE RD, SAINT CHARLES, IL 60175-5486

Mortgage

Document Number	0000005924
Date	Jan 31, 2022
Instrument	2022K005924

Lender

Name	UNION NATIONAL BANK
Type	Bank
Address	ELGIN, IL 60120

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	38W340 PINE RD, ST CHARLES, IL 60175-5486
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000055554
Date	Sep 24, 2020
Instrument	2020K055554

Lender

Name	CIBM BANK
Type	Bank
Address	NAPERVILLE, IL 60563

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2035

Interest

Rate Type	Fixed Rate
Rate	2.75%

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
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	$15,970.00 (+7.72%) Homeowner's exemption
2024		$215,811 (+14.3%) Land $46,550 Building $169,261	$647,692 (+14.35%) Land $139,706 Building $507,986
2022	$14,825.00 (+4.04%) Homeowner's exemption	$188,812 (+4.91%) Land $43,809 Building $145,003	$566,436 (+4.91%) Land $131,427 Building $435,009
2021	$14,250.00 Homeowner's exemption	$179,976 Land $41,759 Building $138,217	$539,928 Land $125,277 Building $414,651

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 Claims	4 (1996–2022)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Jan 2022 · other causes
Claims by Event	Severe Storms And Flooding, Sep 2008 · 3 claims

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

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 Holdings, T-Mobile USA.

Cell Coverage

5G (outdoors only) and 4G LTE

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