Kane County property record for 38W495 E Mary Ln, Saint Charles, IL 60175
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 4,140 sqft · built 2003 |
| Lot Size | 0.508 acres (22,132 sqft) |
| Owner | Trust Name on File |
| Last Sale | $85,000 (Jun 2001) |
| Tax Bill | $18,974 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Feb 2024 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-30-403-001 |
| Primary APN | 09-30-403-001 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 4,140 sqft Living Area |
| 1st Floor Area | 4,140 sqft |
| Basement Area | 3,131 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 22,132 sqft (0.508 acres) |
| Garage Type | Attached |
| Garage Area | 959 sqft |
| Parking Spaces | 4 Parking Spaces |
| Pool Area | 396 sqft |
| Porch | Open Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 38W495 E MARY LN |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60175-7825 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 21 IN BLOCK 2 IN LAKE CHAROLETTE |
| Legal Subdivision | LAKE CHARLOTTE |
| Legal Block | 2 |
| Legal Lot Number | 21 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 852204 |
38W495 E Mary Ln is owner-occupied and held in a trust since September 2022.
Source: Kane County records, as of August 11, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 38W495 E MARY LN, SAINT CHARLES, IL 60175-7825 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Living Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 6, 2026 | Deed of Trust, Mortgage · Line of Credit HARVARD STATE BANK |
| Feb 27, 2024 | Deed of Trust, Mortgage · Line of Credit THE HARVARD STATE BANK |
| Nov 10, 2022 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Nov 5, 2018 | Deed of Trust, Mortgage · Commercial Mortgage THE HARVARD STATE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 25, 2001 · Amount on File |
| Deed Sale | Jun 25, 2001 · Amount on File |
| Deed Document Number | 200161135 |
| Last Transfer Date | Sep 8, 2022 |
| Transfer Doc | 0000054452 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Apr 6, 2026 |
| Property Address | 38W495 E MARY LN, ST CHARLES, IL 60175-7825 |
| Document Number | 0000013607 |
| Instrument Date | Mar 20, 2026 |
| Instrument | 202613607 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER |
| Name | Verified Name |
|---|---|
| Relationship | Life Tenant, 269 |
| Address | 38W495 E MARY LN, ST CHARLES, IL 60175-7825 |
| Document Number | 0000013607, |
|---|---|
| Date | Apr 6, 2026 |
| Instrument | 202613607 |
| Name | HARVARD STATE BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 24 Months |
| Due | Mar 15, 2028 |
| Rate | 6.01% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 38W495 E MARY LN, ST CHARLES, IL 60175-7825 |
| Transaction Type | Mortgage |
| Record Updated | Mar 5, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000006214 |
|---|---|
| Date | Feb 27, 2024 |
| Instrument | 2024K006214 |
| Name | THE HARVARD STATE BANK |
|---|---|
| Type | Bank |
| Address | HARVARD, IL 60033 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 24 Months |
| Due | Feb 12, 2026 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 8.5% |
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Nov 10, 2022 |
| Property Address | 38W495 E MARY LN, ST CHARLES, IL 60175-7825 |
| Document Number | 0000054452 |
| Instrument Date | Nov 8, 2022 |
| Instrument | 2022K054452 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 38W495 E MARY LN, SAINT CHARLES, IL 60175-7825 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 38W475 E MARY LN, ST CHARLES, IL 60175-7825 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000053954 |
|---|---|
| Date | Nov 5, 2018 |
| Instrument | 2018K053954 |
| Name | THE HARVARD STATE BANK |
|---|---|
| Type | Bank |
| Address | HARVARD, IL 60033 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 23 Months |
| Due | Oct 26, 2020 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Change Frequency | Monthly |
The 2025 property tax bill for 38W495 E Mary Ln was $18,974 with a homeowner's exemption, up 2.6% from the year before.
Source: Kane County assessment roll, as of July 23, 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $18,974.00 (+2.6%) Homeowner's exemption | $292,195 (+8.53%) Land $40,417 Building $251,778 | $876,936 (+8.53%) Land $121,300 Building $755,636 |
| 2024 | $18,493.00 | $269,229 Land $37,240 Building $231,989 | $808,010 Land $111,765 Building $696,245 |
| 2022 | $15,851.00 (+5.98%) Homeowner's exemption | $213,229 (+4.91%) Land $33,203 Building $180,026 | $639,687 (+4.91%) Land $99,609 Building $540,078 |
| 2021 | $14,956.00 Homeowner's exemption | $203,249 Land $31,649 Building $171,600 | $609,747 Land $94,947 Building $514,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 38W495 E Mary Ln in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 8, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 38W495 E Mary Ln is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 74% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST CHARLES serves 33,081 people · EPA ID IL0894830 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2022 |
| Lead | 4 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 304 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
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