40W185 James Michener Dr, Saint Charles, IL 60175 Property Records

Kane County property record for 40W185 James Michener Dr, Saint Charles, IL 60175

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,413 sqft · built 2001
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Tax Bill	$9,625 (2025)
Deeds & Mortgages	Sep 2017 Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-23-280-001`

Property Details

APN / Parcel Number

Primary APN	`08-23-280-001`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,413 sqft Living Area
Gross Area	4,875 sqft
Basement Area	1,039 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Aluminum/Vinyl
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Garage Area	423 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	40W185 JAMES MICHENER DR
City	SAINT CHARLES
State	IL
Zip	60175-6542
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 IN CAMPTON CROSSINGS UNIT 1, BEING A RESUB OF PART OF LOTS 179,180,198,199,200,201,&205 IN FOX MILL UNIT 4
Legal Subdivision	CAMPTON CROSSINGS
Legal Block	2
Legal Lot Number	9
Legal Unit	4
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	40W185 JAMES MICHENER DR, SAINT CHARLES, IL 60175-6542
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2017	Deed of Trust, Mortgage · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC
Jul 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage LAND-HOME FINANCIAL SERVICES
May 24, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2013
Deed Sale	May 1, 2013
Prior Sale	Nov 14, 2001 · Amount on Record
Deed Document Number	201332030
Prior Transfer Date	Apr 4, 2013
Prior Transfer Doc	0000032030
Record Updated	Oct 29, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	40W185 JAMES MICHENER DR, ST CHARLES, IL 60175-6542
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000050109
Date	Sep 25, 2017
Instrument	2017K050109

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC
Type	Mortgage Company
Address	CORONA, CA 92879

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

Interest

Rate Type	Fixed Rate
Rate	4.12%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	40W185 JAMES MICHENER DR, ST CHARLES, IL 60175-6542
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000041744
Date	Jul 30, 2020
Instrument	2020K041744

Lender

Name	LAND-HOME FINANCIAL SERVICES
Type	Mortgage Company
Address	CONCORD, CA 94520

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.62%

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	May 24, 2018
Property Address	40W185 JAMES MICHENER DR, ST CHARLES, IL 60175-6542
Document Number	0000024104
Instrument Date	May 17, 2018
Instrument	24104
Transaction Type	Transfer
Record Updated	Jun 15, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4N583 JAMES MICHENER DR ST CHARLES IL 601756559, ST CHARLES, IL 60175-6559

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	$9,625.00 (+10.73%) Homeowner's exemption	$161,171 (+8.43%) Land $37,328 Building $123,843	$483,706 (+8.43%) Land $112,029 Building $371,678
2024		$148,641 (+22.76%) Land $34,426 Building $114,215	$446,101 (+22.8%) Land $103,319 Building $342,782
2022	$8,692.00 (+6.48%) Homeowner's exemption	$121,087 (+5.91%) Land $28,045 Building $93,042	$363,261 (+5.91%) Land $84,135 Building $279,126
2021	$8,163.00 Homeowner's exemption	$114,330 Land $26,480 Building $87,850	$342,990 Land $79,440 Building $263,550

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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