Kane County property record for 42W712 Arrowhead Dr, Saint Charles, IL 60175
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,633 sqft · built 1987 |
| Lot Size | 1.15 acres (50,094 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $313,000 (Nov 2015) |
| Tax Bill | $9,204 (2025) |
| Deeds & Mortgages | May 2023 Mortgage Jan 2022 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-21-326-005 |
| Primary APN | 08-21-326-005 |
|---|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,633 sqft Living Area |
| Gross Area | 2,449 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Split Level |
| Exterior Material | Combination |
| Construction Type | Frame |
| Lot Area | 50,094 sqft |
| Garage Type | Attached |
| Garage Area | 816 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Deck Area | 730 sqft |
| Cooling System | Central |
|---|
| Street Address | 42W712 ARROWHEAD DR |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60175-7914 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 50 OF FOXFIELD SUB UNIT NO 2 |
| Legal Subdivision | FOXFIELD SUB |
| Legal Block | 1 |
| Legal Lot Number | 50 |
| Legal Unit | 2 |
| Jurisdiction | KANE IL |
| Township / Civil Division | CAMPTON |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 852408 |
42W712 Arrowhead Dr is owned and occupied by two individuals who bought it in November 2015.
Source: Kane County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 42W712 ARROWHEAD DR, SAINT CHARLES, IL 60175-7914 |
| 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 |
|---|---|
| May 16, 2023 | Deed of Trust, Mortgage · FHA Mortgage LOWER LLC |
| Jan 31, 2022 | Deed of Trust, Mortgage · Line of Credit LOWER LLC |
| Jan 31, 2022 | Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC |
| Sep 18, 2019 | Deed of Trust, Mortgage · Conventional with PMI LOWER |
| Sep 18, 2019 | Deed of Trust, Mortgage · Line of Credit LOWER |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 2, 2015 · Amount on File |
| Deed Sale | Nov 2, 2015 · Amount on File |
| Deed Document Number | 201559506 |
| Prior Transfer Date | Oct 21, 2015 |
| Prior Transfer Doc | 0000059506 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 42W712 ARROWHEAD DR, ST CHARLES, IL 60175-7914 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000015464 |
|---|---|
| Date | May 16, 2023 |
| Instrument | 2023K015464 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MD 21046 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2053 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.62% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 42W712 ARROWHEAD DR, ST CHARLES, IL 60175-7914 |
| Transaction Type | Mortgage |
| Record Updated | Feb 4, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000006044 |
|---|---|
| Date | Jan 31, 2022 |
| Instrument | 2022K006044 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MD 21046 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 42W712 ARROWHEAD DR, ST CHARLES, IL 60175-7914 |
| Transaction Type | Mortgage |
| Record Updated | Feb 4, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000006043 |
|---|---|
| Date | Jan 31, 2022 |
| Instrument | 2022K006043 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MD 21046 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 42W712 ARROWHEAD DR, ST CHARLES, IL 60175-7914 |
| Document Number | 0000046748 |
| Instrument Date | Sep 18, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 42W712 ARROWHEAD DR ST CHARLES IL 601757914, ST CHARLES, IL 60175-7914 |
| Document Number | 0000046748 |
|---|---|
| Date | Oct 3, 2019 |
| Instrument | 46748 |
| Name | LOWER |
|---|---|
| Address | COLUMBIA, MD 21044 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 2, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.12% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 42W712 ARROWHEAD DR, ST CHARLES, IL 60175-7914 |
| Document Number | 0000046749 |
| Instrument Date | Sep 18, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 42W712 ARROWHEAD DR ST CHARLES IL 601757914, ST CHARLES, IL 60175-7914 |
| Document Number | 0000046749 |
|---|---|
| Date | Oct 3, 2019 |
| Instrument | 46749 |
| Name | LOWER |
|---|---|
| Address | COLUMBIA, MD 21044 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 2, 2049 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 42W712 Arrowhead Dr was $9,204 with exemptions applied.
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 | $9,204.00 Homeowner's exemption Disabled Person's exemption | $151,033 (+8.43%) Land $26,874 Building $124,159 | $453,280 (+8.43%) Land $80,654 Building $372,626 |
| 2024 | $139,291 Land $24,785 Building $114,506 | $418,040 Land $74,385 Building $343,655 | |
| 2022 | $8,273.00 Disabled Person's exemption | $113,470 Land $20,190 Building $93,280 | $340,410 Land $60,570 Building $279,840 |
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 42W712 Arrowhead 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 risk around 42W712 Arrowhead 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 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.
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 115 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 |
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