41W458 Empire Rd, Saint Charles, IL 60175 Property Records

Kane County property record for 41W458 Empire Rd, Saint Charles, IL 60175

Property Summary

Property Type	Single Family Home
Details	7 bd · 3.5 ba · 3,991 sqft · built 1977
Lot Size	0.96 acres (41,818 sqft)
Owner	2 Company Names on Record
Last Sale	$400,000 (Dec 2004)
Tax Bill	$12,718 (2025)
Deeds & Mortgages	Mar 2024 Transfer Jan 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-10-451-019`

Property Details

APN / Parcel Number

Primary APN	`08-10-451-019`

Interior

Bedrooms	7 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	15 Rooms
Stories	2 Stories
Building Area	3,991 sqft Living Area
Gross Area	6,735 sqft
Basement Area	1,695 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Traditional
Exterior Material	Wood
Construction Type	Frame
Lot Area	41,818 sqft (0.96 acres)
Garage Type	Attached
Garage Area	1,049 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch
Deck Area	126 sqft

Utilities, Heating & Cooling

Cooling System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	41W458 EMPIRE RD
City	SAINT CHARLES
State	IL
Zip	60175-8306
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	BRIERGATE
Legal Block	1
Legal Lot Number	47
Jurisdiction	KANE IL
Township / Civil Division	CAMPTON
Census Block Group	1
Census Block	1036
Census Tract	852406

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on Record
Mailing Address	41W458 EMPIRE RD, SAINT CHARLES, IL 60175-8306
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2024	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Jan 16, 2018	Deed of Trust, Mortgage · Conventional Mortgage HOMESIDE FINANCIAL LLC
Jan 16, 2018	Deed of Trust, Mortgage · Line of Credit HOMESIDE FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 28, 2004 · Amount on Record
Deed Sale	Dec 28, 2004 · Amount on Record
Deed Document Number	2004165752
Last Transfer Date	Mar 2, 2024
Transfer Doc	0000007603
Record Updated	Sep 20, 2026

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Mar 8, 2024
Property Address	41W458 EMPIRE RD, ST CHARLES, IL 60175-8306
Document Number	0000007603
Map Reference	DOC 955969
Instrument Date	Mar 2, 2024
Instrument	2024K007603
Transaction Type	Transfer
Record Updated	Mar 15, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41W458 EMPIRE ROAD, SCHAUMBURG, IL 60195

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	41W458 EMPIRE RD, ST CHARLES, IL 60175-8306
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	MEYMAX TITLE AGENCY OF OHIO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002560
Date	Jan 16, 2018
Instrument	2018K002560

Lender

Name	HOMESIDE FINANCIAL LLC
Type	Funding / Finance Company
Address	COLUMBIA, MD 21044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

Interest

Rate Type	Fixed Rate
Rate	4.87%

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	41W458 EMPIRE RD, ST CHARLES, IL 60175-8306
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	MEYMAX TITLE AGENCY OF OHIO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002561
Date	Jan 16, 2018
Instrument	2018K002561

Lender

Name	HOMESIDE FINANCIAL LLC
Type	Funding / Finance Company
Address	COLUMBIA, MD 21044

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$12,718.00 (+10.75%)	$211,796 (+8.43%) Land $15,987 Building $195,809	$635,642 (+8.43%) Land $47,980 Building $587,662
2024		$195,330 (+22.75%) Land $14,744 Building $180,586	$586,224 (+22.8%) Land $44,250 Building $541,975
2022	$11,484.00 (+6.4%) Homeowner's exemption	$159,122 (+5.91%) Land $12,011 Building $147,111	$477,366 (+5.91%) Land $36,033 Building $441,333
2021	$10,793.00 Homeowner's exemption	$150,243 Land $11,341 Building $138,902	$450,729 Land $34,023 Building $416,706

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
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

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

Wildfire Risk	Low lower than 96% of the US · lower than 74% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 120 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

May also be available: AT&T.

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