40W129 James Michener Dr, Saint Charles, IL 60175 Property Records

Kane County property record for 40W129 James Michener Dr, Saint Charles, IL 60175

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,178 sqft · built 2001
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on Record
Last Sale	$410,000 (Aug 2020)
Tax Bill	$10,992 (2025)
Deeds & Mortgages	Sep 2017 Mortgage Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-23-280-005`

Property Details

APN / Parcel Number

Primary APN	`08-23-280-005`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,178 sqft Living Area
Gross Area	5,187 sqft
Basement Area	1,379 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Combination
Construction Type	Frame
Lot Area	11,326 sqft (0.26 acres)
Garage Type	Attached
Garage Area	630 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	40W129 JAMES MICHENER DR
City	SAINT CHARLES
State	IL
Zip	60175-6542
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 13 IN CAMPTON CROSSINGS UNIT 1, IN CAMPTON TOWNSHIP, KANE COUNTY.
Legal Subdivision	CAMPTON CROSSINGS
Legal Block	2
Legal Lot Number	13
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	40W129 JAMES MICHENER DR, SAINT CHARLES, IL 60175-6542
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2017	Deed of Trust, Mortgage · VA Mortgage HOWARD BANK
Aug 12, 2020	Warranty Deed, Transfer · Conventional Mortgage PLAZA HOME MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2020 · Amount on Record
Deed Sale	Aug 12, 2020 · Amount on Record
Prior Sale	May 23, 2001 · Amount on Record
Deed Document Number	202044858
Record Updated	Oct 29, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	40W129 JAMES MICHENER DR, ST CHARLES, IL 60175-6542
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000047035
Date	Sep 7, 2017
Instrument	2017K047035

Lender

Name	HOWARD BANK
Type	Bank
Address	ELLICOTT CITY, MD 21043

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Aug 1, 2047

Interest

Rate Type	Fixed Rate
Rate	3.75%

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 12, 2020
Property Address	40W129 JAMES MICHENER DR, ST CHARLES, IL 60175-6542
Document Number	0000044858
Map Reference	DOC 2000K46993
Instrument Date	Jul 22, 2020
Instrument	2020K044858
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	FOX TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$410.00
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	40W129 JAMES MICHENER DR, SAINT CHARLES, IL 60175-6542

Mortgage

Document Number	0000044859
Date	Aug 12, 2020
Instrument	2020K044859

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2035

Interest

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	$10,992.00 (+27.35%) Homeowner's exemption	$182,917 (+8.43%) Land $37,328 Building $145,589	$548,971 (+8.43%) Land $112,029 Building $436,942
2024		$168,696 (+22.75%) Land $34,426 Building $134,270	$506,291 (+22.8%) Land $103,319 Building $402,971
2022	$8,631.00 (+6.48%) Homeowner's exemption	$137,425 (+5.91%) Land $28,045 Building $109,380	$412,275 (+5.91%) Land $84,135 Building $328,140
2021	$8,106.00 Homeowner's exemption	$129,756 Land $26,480 Building $103,276	$389,268 Land $79,440 Building $309,828

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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