40W143 James Michener Dr, Saint Charles, IL 60175 Property Records

Kane County property record for 40W143 James Michener Dr, Saint Charles, IL 60175

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,521 sqft · built 2002
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on Record
Last Sale	$380,000 (Jan 2022)
Tax Bill	$9,454 (2025)
Deeds & Mortgages	Aug 2023 Second Mortgage Apr 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-23-280-004`

Property Details

APN / Parcel Number

Primary APN	`08-23-280-004`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,521 sqft Living Area
Gross Area	4,100 sqft
Basement Area	950 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Aluminum/Vinyl
Lot Area	12,197 sqft (0.28 acres)
Garage Type	Attached
Garage Area	629 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	40W143 JAMES MICHENER DR
City	SAINT CHARLES
State	IL
Zip	60175-6542
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	12 OSSINGS
Legal Subdivision	CAMPTON CROSSINGS 1
Legal Block	2
Legal Lot Number	12
Jurisdiction	KANE IL
Township / Civil Division	CAMPTON
Census Block Group	2
Census Block	2007
Census Tract	852407

Owner

Source: Kane County records, as of October 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	40W143 JAMES MICHENER DR, SAINT CHARLES, IL 60175-6542
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Apr 25, 2022	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Jan 12, 2022	Warranty Deed, Transfer · Conventional Mortgage CROSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 12, 2022 · Amount on Record
Deed Sale	Jan 12, 2022 · Amount on Record
Prior Sale	Mar 13, 2002 · Amount on Record
Deed Document Number	20222328
Prior Transfer Date	Nov 24, 2021
Prior Transfer Doc	0000002328
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	40W143 JAMES MICHENER DR, ST CHARLES, IL 60175-6542
Transaction Type	Mortgage
Record Updated	Aug 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028018
Date	Aug 16, 2023
Instrument	2023K028018

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	CONSHOHOCKEN, PA 19428

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	40W143 JAMES MICHENER DR, ST CHARLES, IL 60175-6542
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40W143 JAMES MICHENER DR, SAINT CHARLES, IL 60175-6542

Mortgage

Document Number	0000022074
Date	Apr 25, 2022
Instrument	2022K022074

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	BURLINGAME, CA 94010

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 12, 2022
Property Address	40W143 JAMES MICHENER DR, ST CHARLES, IL 60175-6542
Document Number	0000002328
Instrument Date	Nov 29, 2021
Instrument	2022K002328
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$380.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	40W143 JAMES MICHENER DR, 40W143, SAINT CHARLES, IL 60175-6542

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40W143 JAMES MICHENER DR, SAINT CHARLES, IL 60175-6542

Mortgage

Document Number	0000002329
Date	Jan 12, 2022
Instrument	2022K002329

Lender

Name	CROSCOUNTRY MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

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	$9,454.00 (+2.84%) Homeowner's exemption	$158,446 (+8.43%) Land $37,328 Building $121,118	$475,528 (+8.43%) Land $112,029 Building $363,499
2024	$9,193.00 (+6.09%)	$146,128 (+22.75%) Land $34,426 Building $111,702	$438,559 (+22.8%) Land $103,319 Building $335,240
2022	$8,665.00 (+8.08%) Homeowner's exemption	$119,041 (+5.91%) Land $28,045 Building $90,996	$357,123 (+5.91%) Land $84,135 Building $272,988
2021	$8,017.00 Homeowner's exemption	$112,398 Land $26,480 Building $85,918	$337,194 Land $79,440 Building $257,754

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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