Kane County property record for 39W614 Switchgrass Ln, Saint Charles, IL 60175
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.89 acres (38,768 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,010,500 (Sep 2017) |
| Tax Bill | $30,116 (2025) |
| Deeds & Mortgages | Jun 2024 Line of Credit Mar 2025 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-13-328-010 |
| Primary APN | 08-13-328-010 |
|---|
| Lot Area | 38,768 sqft (0.89 acres) |
|---|
| Street Address | 39W614 SWITCHGRASS LN |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60175-7954 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PRAIRIE LAKES UNIT 2 LT 106 |
| Legal Subdivision | PRAIRIE LAKES |
| Legal Block | 1 |
| Legal Lot Number | 106 |
| Legal Unit | 2 |
| Jurisdiction | KANE IL |
| Township / Civil Division | CAMPTON |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 852404 |
Source: Kane County records, as of July 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 39W614 SWITCHGRASS LN, SAINT CHARLES, IL 60175-7954 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 27, 2024 | Deed of Trust, Mortgage · Line of Credit FIRST AMERICAN BANK |
| Mar 17, 2025 | Deed of Trust, Mortgage · Conventional Mortgage FIRST AMERICAN BANK |
| Feb 5, 2018 | Deed of Trust, Mortgage · ARM FIRST AMERICAN BANK |
| Sep 5, 2017 | Trustee's Deed, Foreclosure · Commercial Mortgage HARBOR COMMUNITY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 5, 2017 · Amount on Record |
| Deed Sale | Sep 5, 2017 · Amount on Record |
| Prior Sale | May 28, 2015 · Amount on Record |
| Deed Document Number | 201746496 |
| Prior Transfer Date | Aug 31, 2017 |
| Prior Transfer Doc | 0000046496 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 39W614 SWITCHGRASS LN, ST CHARLES, IL 60175-7954 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000022235 |
|---|---|
| Date | Jun 27, 2024 |
| Instrument | 2024K022235 |
| Name | FIRST AMERICAN BANK |
|---|---|
| Type | Bank |
| Address | HAMPSHIRE, IL 60140 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Jul 1, 2034 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Min Rate At Change | 4.25% |
| Max Rate | 18% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 39W614 SWITCHGRASS LN, ST CHARLES, IL 60175-7954 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 39W614 SWITCHGRASS LN, SAINT CHARLES, IL 60175-7954 |
| Document Number | 0000009347 |
|---|---|
| Date | Mar 17, 2025 |
| Instrument | 2025K009347 |
| Name | FIRST AMERICAN BANK |
|---|---|
| Type | Bank |
| Address | HAMPSHIRE, IL 60140 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 1, 2040 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 39W614 SWITCHGRASS LN, ST CHARLES, IL 60175-7954 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000005807 |
|---|---|
| Date | Feb 5, 2018 |
| Instrument | 2018K005807 |
| Name | FIRST AMERICAN BANK |
|---|---|
| Type | Bank |
| Address | HAMPSHIRE, IL 60140 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
| Type Change Date | Feb 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 2.87% |
| Max Rate At Change | 8.5% |
| Index | 1-Year CMT |
| Max Rate | 8.5% |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Sep 5, 2017 |
| Property Address | 39W614 SWITCHGRASS LN, ST CHARLES, IL 60175-7954 |
| Document Number | 0000046496 |
| Map Reference | DOC2005K094336 |
| Instrument Date | Aug 31, 2017 |
| Instrument | 2017K046496 |
| Transaction Type | Foreclosure |
| Record Updated | Aug 5, 2022 |
| Title Company | CHICAGO TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,010.50 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 39W614 SWITCHGRASS LN, SAINT CHARLES, IL 60175-7954 |
| Document Number | 0000046498 |
|---|---|
| Date | Sep 5, 2017 |
| Instrument | 2017K046498 |
| Name | HARBOR COMMUNITY BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Sep 1, 2018 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Campton Township |
| Unified School District | St. Charles Community Unit School District 303 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $30,116.00 (+10.75%) Homeowner's exemption | $487,238 (+8.43%) Land $39,639 Building $447,599 | $1,462,299 (+8.43%) Land $118,965 Building $1,343,334 |
| 2024 | $449,357 (+22.76%) Land $36,557 Building $412,800 | $1,348,610 (+22.8%) Land $109,715 Building $1,238,896 | |
| 2022 | $27,193.00 (+6.26%) Homeowner's exemption | $366,059 (+5.91%) Land $29,780 Building $336,279 | $1,098,177 (+5.91%) Land $89,340 Building $1,008,837 |
| 2021 | $25,592.00 Homeowner's exemption | $345,632 Land $28,118 Building $317,514 | $1,036,896 Land $84,354 Building $952,542 |
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.
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.
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 | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 106 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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