39W194 Baert Ln, Saint Charles, IL 60175 Property Records

Kane County property record for 39W194 Baert Ln, Saint Charles, IL 60175

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,536 sqft · built 1989
Lot Size	1.08 acres (47,045 sqft)
Owner	2 Individual Names on Record
Tax Bill	$9,918 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`08-25-226-002`

Property Details

APN / Parcel Number

Primary APN	`08-25-226-002`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,536 sqft Living Area
Gross Area	4,198 sqft
Basement Area	1,140 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Combination
Construction Type	Frame
Lot Area	47,045 sqft
Garage Type	Attached
Garage Area	522 sqft
Parking Spaces	2 Parking Spaces
Deck Area	810 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	39W194 BAERT LN
City	SAINT CHARLES
State	IL
Zip	60175-7707
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	ARBOR CREEK 1
Legal Block	3
Legal Lot Number	24
Jurisdiction	KANE IL
Township / Civil Division	CAMPTON
Census Block Group	3
Census Block	3006
Census Tract	852407

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	2 Individual Names on Record
Mailing Address	39W194 BAERT LN, SAINT CHARLES, IL 60175-7707
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Recording Date	Aug 17, 2026
Property Address	39W194 BAERT LN, SAINT CHARLES, IL 60175-7707
Document Number	0000035442
Instrument Date	Aug 6, 2026
Instrument	202635442
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	39W194 BAERT LN, SAINT CHARLES, IL 60175-7707

Mortgage

Document Number	0000035442,
Date	Aug 17, 2026
Instrument	202635442

Lender

Name	JPMORGAN CHASE BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 13, 2056

Interest

Max Rate	-1%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	Campton 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	$9,918.00 (+10.73%) Homeowner's exemption	$166,940 (+8.43%) Land $32,563 Building $134,377	$501,020 (+8.43%) Land $97,728 Building $403,292
2024		$153,961 (+22.76%) Land $30,031 Building $123,930	$462,068 (+22.8%) Land $90,129 Building $371,939
2022	$8,957.00 (+6.48%) Homeowner's exemption	$125,421 (+5.91%) Land $24,464 Building $100,957	$376,263 (+5.91%) Land $73,392 Building $302,871
2021	$8,412.00 Homeowner's exemption	$118,422 Land $23,099 Building $95,323	$355,266 Land $69,297 Building $285,969

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 Policies	1 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 95% of the US · lower than 70% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WASCO SD serves 4,000 people · EPA ID IL0890110
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 139 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Metronet, Verizon.

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