38W345 Pine Rd, Saint Charles, IL 60175 Property Records

Kane County property record for 38W345 Pine Rd, Saint Charles, IL 60175

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 4,003 sqft · built 2000
Lot Size	0.922 acres (40,172 sqft)
Owner	Company Name on Record
Last Sale	$599,000 (Jul 2003)
Tax Bill	$18,504 (2025)
Deeds & Mortgages	Oct 2022 Transfer May 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`09-06-254-001`

Property Details

APN / Parcel Number

Primary APN	`09-06-254-001`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,003 sqft Living Area
Basement Area	1,504 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	40,172 sqft (0.922 acres)
Garage Type	Attached
Garage Area	670 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

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	38W345 PINE RD
City	SAINT CHARLES
State	IL
Zip	60175-5485
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 87 OF UNIT 6 IN THREE LAKES
Legal Subdivision	THREE LAKES
Legal Block	2
Legal Lot Number	87
Legal Unit	6
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2003
Census Tract	852101

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	Company Name on Record
Mailing Address	38W345 PINE RD, SAINT CHARLES, IL 60175-5485
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2022	Intrafamily Transfer, Transfer ATTORNEY
May 19, 2017	Deed of Trust, Mortgage · Line of Credit FIRST FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 16, 2003 · Amount on Record
Deed Sale	Jul 16, 2003 · Amount on Record
Prior Sale	Jan 3, 2001 · Amount on Record
Deed Document Number	2003118119
Record Updated	Sep 20, 2026

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Oct 28, 2022
Property Address	38W345 PINE RD, ST CHARLES, IL 60175-5485
Document Number	0000052707
Map Reference	DOC 1999K080454
Instrument Date	Oct 26, 2022
Instrument	2022K052707
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	38W345 PINE RD, SAINT CHARLES, IL 60175-5485

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	38W345 PINE RD, ST CHARLES, IL 60175-5485
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025579
Date	May 19, 2017
Instrument	2017K025579

Lender

Name	FIRST FEDERAL SAVINGS BANK
Type	Bank
Address	OTTAWA, IL 61350

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	May 25, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$18,504.00 (+8.64%) Homeowner's exemption
2024		$248,871 (+15.19%) Land $46,550 Building $202,321	$746,912 (+15.24%) Land $139,706 Building $607,206
2022	$17,033.00 (+4.01%) Homeowner's exemption	$216,047 (+4.91%) Land $43,809 Building $172,238	$648,141 (+4.91%) Land $131,427 Building $516,714
2021	$16,377.00 Homeowner's exemption	$205,936 Land $41,759 Building $164,177	$617,808 Land $125,277 Building $492,531

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

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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