39W445 Overcup Ct, Saint Charles, IL 60175 Property Records

Kane County property record for 39W445 Overcup Ct, Saint Charles, IL 60175

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,380 sqft · built 1978
Lot Size	0.95 acres (41,382 sqft)
Owner	2 Individual Names on File
Last Sale	$455,000 (Jul 2024)
Tax Bill	$8,574 (2025)
Deeds & Mortgages	Sep 2019 Mortgage Dec 2017 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-24-251-003`

Property Details

APN / Parcel Number

Primary APN	`08-24-251-003`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,380 sqft Living Area
Gross Area	1,990 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Split Level
Exterior Material	Combination
Construction Type	Frame
Lot Area	41,382 sqft (0.95 acres)
Garage Type	Attached
Garage Area	610 sqft
Parking Spaces	2 Parking Spaces
Deck Area	381 sqft

Location & Zoning

Street Address	39W445 OVERCUP CT
City	SAINT CHARLES
State	IL
Zip	60175-8556
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WIDEVIEW SUB UNIT 1 - LOT 14
Legal Subdivision	WIDEVIEW SUB
Legal Block	1
Legal Lot Number	14
Legal Unit	1
Jurisdiction	KANE IL
Township / Civil Division	CAMPTON
Census Block Group	1
Census Block	1017
Census Tract	852404

Owner

39W445 Overcup Ct is owned and occupied by two individuals who bought it in July 2024.

Source: Kane County records, as of July 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	39W445 OVERCUP CT, SAINT CHARLES, IL 60175-8556
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2019	Deed of Trust, Mortgage · Commercial Mortgage STC CAPITAL BANK
Dec 13, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Jul 3, 2017	Deed, Transfer · Conventional Mortgage INLANTA MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2024 · Amount on File
Deed Sale	Jul 1, 2024 · Amount on File
Prior Sale	Jul 3, 2017 · Amount on File
Deed Document Number	202422647
Prior Transfer Date	Dec 12, 2017
Prior Transfer Doc	0000064836
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	39W445 OVERCUP CT, ST CHARLES, IL 60175-8556
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000041648
Date	Sep 10, 2019
Instrument	2019K041648

Lender

Name	STC CAPITAL BANK
Type	Bank
Address	SAINT CHARLES, IL 60174

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Dec 13, 2017
Property Address	39W445 OVERCUP CT, ST CHARLES, IL 60175-8556
Document Number	0000064836
Instrument Date	Dec 12, 2017
Instrument	64836
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	39W445 OVERCUP CT ST CHARLES IL 601758556, ST CHARLES, IL 60175-8556

July 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	KANE IL
Recording Date	Jul 3, 2017
Property Address	39W445 OVERCUP CT, ST CHARLES, IL 60175-8556
Document Number	0000034158
Instrument Date	Jun 22, 2017
Instrument	2017K034158
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	ATTORNEYS TITLE GUARANTY FUN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39W445 OVERCUP CT, SAINT CHARLES, IL 60175-8556

Mortgage

Document Number	0000034159
Date	Jul 3, 2017
Instrument	2017K034159

Lender

Name	INLANTA MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 39W445 Overcup Ct was $8,574.

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

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	Campton Township
Municipality	Campton Hills Village
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	$8,574.00	$145,406 (+8.43%) Land $24,627 Building $120,779	$436,393 (+8.43%) Land $73,911 Building $362,482
2024		$134,101 Land $22,712 Building $111,389	$402,464 Land $68,163 Building $334,301
2022	$6,911.00 (+0.23%) Homeowner's exemption	$109,243 (+5.91%) Land $18,502 Building $90,741	$327,729 (+5.91%) Land $55,506 Building $272,223
2021	$6,895.00 Homeowner's exemption	$103,147 Land $17,470 Building $85,677	$309,441 Land $52,410 Building $257,031

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

FEMA maps place 39W445 Overcup Ct in Zone X, an area of minimal flood risk.

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	2 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

Wildfire risk around 39W445 Overcup Ct 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 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.

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 117 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

May also be available: AT&T, Metronet, Verizon.

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