40W117 James Michener Dr, Saint Charles, IL 60175 Property Records

Kane County property record for 40W117 James Michener Dr, Saint Charles, IL 60175

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,580 sqft · built 2001
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on Record
Last Sale	$625,000 (Jan 2026)
Tax Bill	$11,713 (2025)
Deeds & Mortgages	Aug 2025 Second Mortgage Sep 2024 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-23-280-006`

Property Details

APN / Parcel Number

Primary APN	`08-23-280-006`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,580 sqft Living Area
Gross Area	5,832 sqft
Basement Area	1,641 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Combination
Construction Type	Frame
Lot Area	11,761 sqft (0.27 acres)
Garage Type	Attached
Garage Area	611 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	40W117 JAMES MICHENER DR
City	SAINT CHARLES
State	IL
Zip	60175-6542
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 14 IN CAMPTON CROSSINGS UNIT 1
Legal Subdivision	CAMPTON CROSSINGS
Legal Block	2
Legal Lot Number	14
Legal Unit	1
Jurisdiction	KANE IL
Township / Civil Division	CAMPTON
Census Block Group	2
Census Block	2007
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	340 W SUPERIOR ST, 1601, CHICAGO, IL 60654-6192
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NATIONSTAR MORTGAGE LLC
Sep 16, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NATIONSTAR MORTGAGE LLC
Jan 7, 2026	Warranty Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC
Dec 10, 2020	Warranty Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 7, 2026 · Amount on Record
Deed Sale	Jan 7, 2026 · Amount on Record
Prior Sale	Dec 10, 2020 · Amount on Record
Deed Document Number	2026757
Record Updated	Oct 29, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	40W117 JAMES MICHENER DR, ST CHARLES, IL 60175-6542
Transaction Type	Mortgage
Record Updated	Jan 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031228
Date	Aug 18, 2025
Instrument	2025K031228

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2045

Interest

Rate	8.62%

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	40W117 JAMES MICHENER DR, ST CHARLES, IL 60175-6542
Transaction Type	Mortgage
Record Updated	Jan 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033130
Date	Sep 16, 2024
Instrument	2024K033130

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2044

Interest

Rate	8.62%

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 7, 2026
Property Address	40W117 JAMES MICHENER DR, ST CHARLES, IL 60175-6542
Document Number	0000000757
Map Reference	DOC 2000K46993
Instrument Date	Dec 9, 2025
Instrument	2026K000757
Transaction Type	Transfer
Record Updated	Jan 15, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$625.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	40W117 JAMES MICHENER DR, SAINT CHARLES, IL 60175-6542

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	40W117 JAMES MICHENER DR, CAMPTON HILLS, IL 60175-6542

Mortgage

Document Number	0000000758
Date	Jan 7, 2026
Instrument	2026K000758

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.57%

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Dec 10, 2020
Property Address	40W117 JAMES MICHENER DR, ST CHARLES, IL 60175-6542
Document Number	0000076759
Map Reference	DOC 96K080272
Instrument Date	Nov 17, 2020
Instrument	2020K076759
Transaction Type	Transfer
Record Updated	Jul 27, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$430.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	40W117 JAMES MICHENER DR, SAINT CHARLES, IL 60175-6542

Mortgage

Document Number	0000076760
Date	Dec 10, 2020
Instrument	2020K076760

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.87%

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
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	$11,713.00 (+20.31%) Homeowner's exemption	$194,401 (+8.43%) Land $37,328 Building $157,073	$583,436 (+8.43%) Land $112,029 Building $471,408
2024	$9,736.00 (+11.27%) Homeowner's exemption	$179,287 (+22.75%) Land $34,426 Building $144,861	$538,076 (+22.8%) Land $103,319 Building $434,757
2022	$8,750.00 (+6.47%) Homeowner's exemption	$146,053 (+5.91%) Land $28,045 Building $118,008	$438,159 (+5.91%) Land $84,135 Building $354,024
2021	$8,218.00 Homeowner's exemption	$137,903 Land $26,480 Building $111,423	$413,709 Land $79,440 Building $334,269

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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	Not rated no burnable land within 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 205 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 Fixed Wireless	100 / 20
Fox Valley Internet Fixed Wireless	100 / 20

May also be available: Verizon.

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