Kane County property record for 438 Red Sky Dr, Saint Charles, IL 60175
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,136 sqft · built 2002 |
| Lot Size | 0.202 acres (8,818 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $347,000 (Aug 2019) |
| Tax Bill | $11,193 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Aug 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-32-112-023 |
| Primary APN | 09-32-112-023 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 3,136 sqft Living Area |
| Basement Area | 1,282 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,818 sqft (0.202 acres) |
| Garage Type | Attached |
| Garage Area | 645 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 438 RED SKY DR |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60175-6556 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HARVEST HILLS UNIT THREE - LOT 177 |
| Legal Subdivision | HARVEST HILLS |
| Legal Block | 1 |
| Legal Lot Number | 177 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 852204 |
438 Red Sky Dr is owned and occupied by two individuals who bought it in August 2019.
Source: Kane County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 438 RED SKY DR, SAINT CHARLES, IL 60175-6556 |
| 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.
| Date | Document |
|---|---|
| Dec 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Aug 19, 2019 | Warranty Deed, Transfer · Conventional Mortgage US BANK NA |
| Jul 3, 2017 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 19, 2019 · Amount on File |
| Deed Sale | Aug 19, 2019 · Amount on File |
| Prior Sale | Nov 4, 2002 · Amount on File |
| Deed Document Number | 201937528 |
| Prior Transfer Date | Jun 13, 2014 |
| Prior Transfer Doc | 0000021539 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 438 RED SKY DR, ST CHARLES, IL 60175-6556 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000077743 |
|---|---|
| Date | Dec 14, 2020 |
| Instrument | 2020K077743 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.25% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Aug 19, 2019 |
| Property Address | 438 RED SKY DR, ST CHARLES, IL 60175-6556 |
| Document Number | 0000037528 |
| Map Reference | DOC 2000K095167 |
| Instrument Date | Aug 6, 2019 |
| Instrument | 2019K037528 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | FIRST NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $347.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 438 RED SKY DR, SAINT CHARLES, IL 60175-6556 |
| Document Number | 0000037529 |
|---|---|
| Date | Aug 19, 2019 |
| Instrument | 2019K037529 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2049 |
| Rate | 3.87% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 438 RED SKY DR, ST CHARLES, IL 60175-6556 |
| Document Number | 0000035640 |
| Instrument Date | Jul 3, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2017 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 438 RED SKY DR ST CHARLES IL 601756556, ST CHARLES, IL 60175-6556 |
| Document Number | 0000035640 |
|---|---|
| Date | Jul 11, 2017 |
| Instrument | 35640 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 10, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
The 2025 property tax bill for 438 Red Sky Dr was $11,193 with a homeowner's exemption.
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | St. Charles Township |
| Municipality | St. Charles City |
| Unified School District | St. Charles Community Unit School District 303 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $11,193.00 Homeowner's exemption | $167,600 (+8.53%) Land $40,417 Building $127,183 | $503,001 (+8.53%) Land $121,300 Building $381,702 |
| 2024 | $154,427 Land $37,240 Building $117,187 | $463,466 Land $111,765 Building $351,702 | |
| 2022 | $9,688.00 (+4.12%) Homeowner's exemption | $125,994 (+4.91%) Land $35,048 Building $90,946 | $377,982 (+4.91%) Land $105,144 Building $272,838 |
| 2021 | $9,305.00 Homeowner's exemption | $120,098 Land $33,408 Building $86,690 | $360,294 Land $100,224 Building $260,070 |
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 438 Red Sky Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 8, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 438 Red Sky Dr 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 | GENEVA serves 21,247 people · EPA ID IL0890350 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2023 |
| Lead | 5 ppb (2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 319 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Fox Valley Internet Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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