Kane County property record for 41W009 Empire Rd, Saint Charles, IL 60175
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,695 sqft · built 1972 |
| Lot Size | 1.51 acres (65,776 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $300,000 (May 2014) |
| Tax Bill | $8,874 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Jul 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-10-478-005 |
| Primary APN | 08-10-478-005 |
|---|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,695 sqft Living Area |
| Gross Area | 4,434 sqft |
| 1st Floor Area | 1,695 sqft |
| Basement Area | 1,695 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Exterior Material | Brick |
| Lot Area | 65,776 sqft |
| Garage Type | Attached |
| Garage Area | 1,044 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Open Porch |
| Balcony Area | 240 sqft |
| Cooling System | Central |
|---|
| Street Address | 41W009 EMPIRE RD |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60175-8372 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 7 MILL SUB |
| Legal Subdivision | KINGS MILL 1 |
| Legal Block | 2 |
| Legal Lot Number | 7 |
| Jurisdiction | KANE IL |
| Township / Civil Division | CAMPTON |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 852405 |
41W009 Empire Rd is owned and occupied by two individuals who bought it in May 2014.
Source: Kane County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 41W009 EMPIRE RD, SAINT CHARLES, IL 60175-8372 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 24, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jul 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Feb 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 5, 2014 · Amount on File |
| Deed Sale | May 5, 2014 · Amount on File |
| Prior Sale | Aug 15, 2013 · Amount on File |
| Deed Document Number | 201421144 |
| Prior Transfer Date | Nov 18, 1996 |
| Prior Transfer Doc | 0000084523 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jun 24, 2026 |
| Property Address | 41W009 EMPIRE RD, SAINT CHARLES, IL 60175-8372 |
| Document Number | 0000026326 |
| Instrument Date | Jun 18, 2026 |
| Instrument | 202626326 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 41W009 EMPIRE RD, SAINT CHARLES, IL 60175-8372 |
| Document Number | 0000026326, |
|---|---|
| Date | Jun 24, 2026 |
| Instrument | 202626326 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.99% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 41W009 EMPIRE RD, ST CHARLES, IL 60175-8372 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0000055765 |
|---|---|
| Date | Jul 21, 2021 |
| Instrument | 2021K055765 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 97 Months |
| Due | Aug 1, 2029 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 41W009 EMPIRE RD, ST CHARLES, IL 60175-8372 |
| Document Number | 0000010762 |
| Instrument Date | Feb 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 41W009 EMPIRE RD ST CHARLES IL 601758372, ST CHARLES, IL 60175-8372 |
| Document Number | 0000010762 |
|---|---|
| Date | Mar 2, 2020 |
| Instrument | 10762 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 1, 2035 |
The 2025 property tax bill for 41W009 Empire Rd was $8,874 with a homeowner's exemption.
Source: Kane County assessment roll, as of July 23, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,874.00 Homeowner's exemption | $150,210 (+8.43%) Land $26,199 Building $124,011 | $450,810 (+8.43%) Land $78,628 Building $372,182 |
| 2024 | $138,532 Land $24,162 Building $114,370 | $415,762 Land $72,515 Building $343,247 | |
| 2022 | $8,014.00 (+6.51%) Homeowner's exemption | $112,852 (+5.91%) Land $19,683 Building $93,169 | $338,556 (+5.91%) Land $59,049 Building $279,507 |
| 2021 | $7,524.00 Homeowner's exemption | $106,555 Land $18,585 Building $87,970 | $319,665 Land $55,755 Building $263,910 |
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.
FEMA maps place 41W009 Empire Rd 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 | 2 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.
The area around 41W009 Empire Rd 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | IL AMERICAN-FERSON CREEK private · serves 1,134 people · EPA ID IL0895800 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2025 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Copper | 1.4 mg/L (2023) action level 1.3 mg/L |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 3 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.
Source: FCC Broadband Data Collection, based on 46 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 DSL | 100 / 20 |
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