40W547 Settlement Dr, Saint Charles, IL 60175 Property Records

Kane County property record for 40W547 Settlement Dr, Saint Charles, IL 60175

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,596 sqft · built 2006
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on File
Last Sale	$430,000 (Sep 2017)
Tax Bill	$12,283 (2025)
Deeds & Mortgages	Jan 2017 Mortgage Apr 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`08-23-181-001`

Property Details

APN / Parcel Number

Primary APN	`08-23-181-001`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,596 sqft Living Area
Gross Area	5,876 sqft
1st Floor Area	2,596 sqft
Basement Area	2,596 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Combination
Construction Type	Frame
Lot Area	15,682 sqft (0.36 acres)
Garage Type	Attached
Garage Area	684 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	40W547 SETTLEMENT DR
City	SAINT CHARLES
State	IL
Zip	60175-7666
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FOX CREEK UNIT NO 1 LOT 8
Legal Subdivision	FOX CREEK
Legal Block	1
Legal Lot Number	8
Legal Unit	1
Jurisdiction	KANE IL
Township / Civil Division	CAMPTON
Census Block Group	1
Census Block	1001
Census Tract	852408

Owner

40W547 Settlement Dr is owned and occupied by two individuals who bought it in September 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	40W547 SETTLEMENT DR, SAINT CHARLES, IL 60175-7666
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
Jan 30, 2017	Deed of Trust, Mortgage · ARM BUSEY BANK
Apr 20, 2018	Deed of Trust, Mortgage · Conventional Mortgage MIDWEST EQUITY MORTGAGE LLC
Oct 8, 2019	Deed of Trust, Mortgage · Conventional Mortgage MIDWEST EQUITY MORTGAGE LLC
Jul 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage CELEBRITY HOME LOANS LLC
Sep 26, 2017	Trustee's Deed, Foreclosure · FHA Mortgage MIDWEST EQUITY MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 26, 2017 · Amount on File
Deed Sale	Sep 26, 2017 · Amount on File
Prior Sale	Nov 21, 2005 · Amount on File
Deed Document Number	201750612
Prior Transfer Date	Aug 21, 2017
Prior Transfer Doc	0000050612
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	40W547 SETTLEMENT DR, ST CHARLES, IL 60175-7666
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005350
Date	Jan 30, 2017
Instrument	2017K005350

Lender

Name	BUSEY BANK
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Feb 1, 2022
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	4.87%
Index	1-Year LIBOR
Max Rate	7.87%

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	40W547 SETTLEMENT DR, ST CHARLES, IL 60175-7666
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	BARRISTER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018187
Date	Apr 20, 2018
Instrument	2018K018187

Lender

Name	MIDWEST EQUITY MORTGAGE LLC
Type	Mortgage Company
Address	OAK BROOK, IL 60523

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2048

Interest

Rate Type	Fixed Rate
Rate	4.62%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	40W547 SETTLEMENT DR, ST CHARLES, IL 60175-7666
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	DUKANE TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000047461
Date	Oct 8, 2019
Instrument	2019K047461

Lender

Name	MIDWEST EQUITY MORTGAGE LLC
Type	Mortgage Company
Address	VILLA PARK, IL 60181

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2049

Interest

Rate Type	Fixed Rate
Rate	3.5%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	40W547 SETTLEMENT DR, ST CHARLES, IL 60175-7666
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	DUKANE TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000041415
Date	Jul 29, 2020
Instrument	2020K041415

Lender

Name	CELEBRITY HOME LOANS LLC
Address	VILLA PARK, IL 60181

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	3.25%

September 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	KANE IL
Recording Date	Sep 26, 2017
Property Address	40W547 SETTLEMENT DR, ST CHARLES, IL 60175-7666
Document Number	0000050612
Map Reference	DOC2004K028187
Instrument Date	Aug 21, 2017
Instrument	2017K050612
Transaction Type	Foreclosure
Record Updated	Jul 27, 2021
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$430.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	40W547 SETTLEMENT DR, SAINT CHARLES, IL 60175-7666

Mortgage

Document Number	0000050613
Date	Sep 26, 2017
Instrument	2017K050613

Lender

Name	MIDWEST EQUITY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2047

Interest

Rate Type	Fixed Rate
Rate	3.62%

Tax Assessment & Valuation

The 2025 property tax bill for 40W547 Settlement Dr was $12,283 with exemptions applied.

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	$12,283.00 Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$204,969 (+8.43%) Land $45,322 Building $159,647	$615,153 (+8.43%) Land $136,020 Building $479,133
2024		$189,033 Land $41,798 Building $147,235	$567,326 Land $125,444 Building $441,882
2022	$11,133.00 (+1.14%) Disabled Person's exemption	$153,992 (+5.91%) Land $34,050 Building $119,942	$461,976 (+5.91%) Land $102,150 Building $359,826
2021	$11,008.00 Disabled Person's exemption	$145,399 Land $32,150 Building $113,249	$436,197 Land $96,450 Building $339,747

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 40W547 Settlement Dr in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 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

Wildfire risk around 40W547 Settlement Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 138 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Fox Valley Internet.

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