40W134 James Michener Dr, Saint Charles, IL 60175 Property Records

Kane County property record for 40W134 James Michener Dr, Saint Charles, IL 60175

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,840 sqft · built 2001
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$555,000 (Dec 2025)
Tax Bill	$9,490 (2025)
Deeds & Mortgages	May 2025 Line of Credit Dec 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-23-278-009`

Property Details

APN / Parcel Number

Primary APN	`08-23-278-009`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,840 sqft Living Area
Gross Area	4,770 sqft
Basement Area	1,230 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Combination
Lot Area	12,197 sqft (0.28 acres)
Garage Type	Attached
Garage Area	700 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	40W134 JAMES MICHENER DR
City	SAINT CHARLES
State	IL
Zip	60175-6541
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	CAMPTON CROSSINGS 1
Legal Block	2
Legal Lot Number	34
Jurisdiction	KANE IL
Township / Civil Division	CAMPTON
Census Block Group	2
Census Block	2005
Census Tract	852407

Owner

40W134 James Michener Dr is owned and occupied by two individuals who bought it in December 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	40W134 JAMES MICHENER DR, SAINT CHARLES, IL 60175-6541
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
May 20, 2025	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Dec 12, 2025	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Mar 15, 2017	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK
Jan 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 12, 2025 · Amount on File
Deed Sale	Dec 12, 2025 · Amount on File
Prior Sale	Feb 6, 2002 · Amount on File
Deed Document Number	202549466
Record Updated	Oct 29, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	40W134 JAMES MICHENER DR, ST CHARLES, IL 60175-6541
Transaction Type	Mortgage
Record Updated	Dec 24, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40W134 JAMES MICHENER DR, SAINT CHARLES, IL 60175-6541

Mortgage

Document Number	0000018312
Date	May 20, 2025
Instrument	2025K018312

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Apr 25, 2055

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Dec 12, 2025
Property Address	40W134 JAMES MICHENER DR, ST CHARLES, IL 60175-6541
Document Number	0000049466
Map Reference	DOC 2000K046993
Instrument Date	Dec 10, 2025
Instrument	2025K049466
Transaction Type	Transfer
Record Updated	Dec 24, 2025
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$555.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	40W124 JAMES MICHENER DR, SAINT CHARLES, IL 60175-6541

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	40W134 JAMES MICHENER DR, SAINT CHARLES, IL 60175-6541

Mortgage

Document Number	0000049467
Date	Dec 12, 2025
Instrument	2025K049467

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

Interest

Rate	6.1%
Adjustable	Adjustable Rate Rider

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	40W134 JAMES MICHENER DR, ST CHARLES, IL 60175-6541
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013491
Date	Mar 15, 2017
Instrument	2017K013491

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Feb 15, 2027

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	40W134 JAMES MICHENER DR, ST CHARLES, IL 60175-6541
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001364
Date	Jan 7, 2021
Instrument	2021K001364

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	355 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 40W134 James Michener Dr was $9,490, up 2.8% from the year before.

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	$9,490.00 (+2.84%) Homeowner's exemption	$159,015 (+8.43%) Land $37,328 Building $121,687	$477,236 (+8.43%) Land $112,029 Building $365,207
2024	$9,228.00 Homeowner's exemption	$146,652 Land $34,426 Building $112,226	$440,132 Land $103,319 Building $336,813
2022	$8,569.00 (+6.49%) Homeowner's exemption	$119,467 (+5.91%) Land $28,045 Building $91,422	$358,401 (+5.91%) Land $84,135 Building $274,266
2021	$8,047.00 Homeowner's exemption	$112,800 Land $26,480 Building $86,320	$338,400 Land $79,440 Building $258,960

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 40W134 James Michener Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 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

The area around 40W134 James Michener Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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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