41W230 Saddlebrook Dr, Saint Charles, IL 60175 Property Records

Kane County property record for 41W230 Saddlebrook Dr, Saint Charles, IL 60175

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,395 sqft · built 2006
Lot Size	1.21 acres (52,708 sqft)
Owner	2 Individual Names on File
Last Sale	$557,500 (Jun 2018)
Tax Bill	$17,065 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-27-276-001`

Property Details

APN / Parcel Number

Primary APN	`08-27-276-001`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,395 sqft Living Area
Gross Area	6,571 sqft
Basement Area	2,477 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Combination
Construction Type	Frame
Lot Area	52,708 sqft
Garage Type	Attached
Garage Area	699 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	41W230 SADDLEBROOK DR
City	SAINT CHARLES
State	IL
Zip	60175-5305
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LA FOX WOODS UNIT NO. 7 - LOT 89
Legal Subdivision	LA FOX WOODS
Legal Block	1
Legal Lot Number	89
Legal Unit	7
Jurisdiction	KANE IL
Township / Civil Division	CAMPTON
Census Block Group	1
Census Block	1011
Census Tract	852408

Owner

41W230 Saddlebrook Dr is owned and occupied by two individuals who bought it in June 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	41W230 SADDLEBROOK DR, SAINT CHARLES, IL 60175-5305
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Jun 11, 2018	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2018 · Amount on File
Deed Sale	Jun 11, 2018 · Amount on File
Prior Sale	Aug 12, 2016 · Amount on File
Deed Document Number	201827055
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	41W230 SADDLEBROOK DR, ST CHARLES, IL 60175-5305
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	RAVENSWOOD TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000074380
Date	Dec 2, 2020
Instrument	2020K074380

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 1, 2035

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 11, 2018
Property Address	41W230 SADDLEBROOK DR, ST CHARLES, IL 60175-5305
Document Number	0000027055
Instrument Date	Apr 30, 2018
Instrument	27055
Transaction Type	Transfer
Record Updated	Jun 27, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$836.25
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	41 W 230 SADDLEBROOK DR ST CHARLES IL 60175, ST CHARLES, IL 60175

Mortgage

Document Number	27056
Date	Jun 11, 2018
Instrument	27056

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 10, 2048

Interest

Rate Type	Fixed Rate
Rate	4.75%

Tax Assessment & Valuation

The 2025 property tax bill for 41W230 Saddlebrook Dr was $17,065 with a homeowner's exemption.

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	$17,065.00 Homeowner's exemption	$279,944 (+8.43%) Land $54,336 Building $225,608	$840,168 (+8.43%) Land $163,073 Building $677,095
2024		$258,180 Land $50,112 Building $208,068	$774,850 Land $150,396 Building $624,454
2022	$15,410.00 (+4.57%) Homeowner's exemption	$210,321 (+10.02%) Land $40,823 Building $169,498	$630,963 (+10.02%) Land $122,469 Building $508,494
2021	$14,737.00 Homeowner's exemption	$191,165 Land $38,545 Building $152,620	$573,495 Land $115,635 Building $457,860

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 41W230 Saddlebrook 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 41W230 Saddlebrook Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · above 71% of Illinois
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 47 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

Cell Coverage

5G (outdoors only) and 4G LTE

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