40W173 James Michener Dr, Saint Charles, IL 60175 Property Records

Kane County property record for 40W173 James Michener Dr, Saint Charles, IL 60175

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,370 sqft · built 2001
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Last Sale	$405,000 (Jun 2019)
Tax Bill	$11,753 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Jun 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-23-280-002`

Property Details

APN / Parcel Number

Primary APN	`08-23-280-002`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,370 sqft Living Area
Gross Area	5,331 sqft
Basement Area	1,541 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Traditional
Exterior Material	Mixed
Construction Type	Frame
Lot Area	12,197 sqft (0.28 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Deck Area	328 sqft

Utilities, Heating & Cooling

Cooling System	Central
Water Source	Commercial

Location & Zoning

Street Address	40W173 JAMES MICHENER DR
City	SAINT CHARLES
State	IL
Zip	60175-6542
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 IN CAMPTON CROSSING UNIT 1
Legal Subdivision	CAMPTON CROSSING
Legal Block	2
Legal Lot Number	10
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 October 19, 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	40W173 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 13, 2022	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Jun 12, 2019	Warranty Deed, Transfer · Conventional Mortgage KEY MORTGAGE SERVICES INC
Sep 23, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 2019 · Amount on Record
Deed Sale	Jun 12, 2019 · Amount on Record
Prior Sale	Aug 17, 2006 · Amount on Record
Deed Document Number	201924176
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	40W173 JAMES MICHENER DR, ST CHARLES, IL 60175-6542
Transaction Type	Mortgage
Record Updated	Sep 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40W173 JAMES MICHENER DR, SAINT CHARLES, IL 60175-6542

Mortgage

Document Number	0000045667
Date	Sep 13, 2022
Instrument	2022K045667

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

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 12, 2019
Property Address	40W173 JAMES MICHENER DR, ST CHARLES, IL 60175-6542
Document Number	0000024176
Map Reference	DOC 96K080272
Instrument Date	May 30, 2019
Instrument	2019K024176
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	ATTORNEYS TTL GUARANTY FUND

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$405.00
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	40W 173 JAMES MICHENER DRIVE, SAINT CHARLES, IL 60175-6542
Investor	Possibly a Property Investor

Mortgage

Document Number	0000024178
Date	Jun 12, 2019
Instrument	2019K024178

Lender

Name	KEY MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4.25%

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	40W173 JAMES MICHENER DR, ST CHARLES, IL 60175-6542
Document Number	0000053289
Instrument Date	Sep 23, 2017
Transaction Type	Mortgage
Record Updated	Aug 27, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40W173 JAMES MICHENER DR CAMPTON HILLS IL 601756542, CAMPTON HILLS, IL 60175-6542

Mortgage

Document Number	0000053289
Date	Oct 11, 2017
Instrument	53289

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 10, 2047

Interest

Rate Type	Adjustable Rate

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	$11,753.00 (+27.2%) Homeowner's exemption	$195,025 (+8.43%) Land $37,328 Building $157,697	$585,309 (+8.43%) Land $112,029 Building $473,280
2024		$179,863 (+22.75%) Land $34,426 Building $145,437	$539,805 (+22.8%) Land $103,319 Building $436,486
2022	$9,240.00 (+10.01%) Homeowner's exemption	$146,522 (+5.91%) Land $28,045 Building $118,477	$439,566 (+5.91%) Land $84,135 Building $355,431
2021	$8,399.00 Homeowner's exemption	$138,346 Land $26,480 Building $111,866	$415,038 Land $79,440 Building $335,598

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	Low lower than 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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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