Kane County property record for 46 Highgate Course, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,750 sqft · built 1979 |
| Lot Size | 0.608 acres (26,496 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $445,800 (Sep 2018) |
| Deeds & Mortgages | Aug 2018 Line of Credit Sep 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-24-301-006 |
| Primary APN | 09-24-301-006 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,750 sqft Living Area |
| Basement Area | 1,215 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Wood |
| Lot Area | 26,496 sqft (0.608 acres) |
| Garage Type | Attached |
| Garage Area | 504 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 46 HIGHGATE CRSE |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-1426 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 30 OF AINTREE, IN THE CITY OF ST CHARLES, KANE COUNTY |
| Legal Subdivision | AINTREE |
| Legal Block | 2 |
| Legal Lot Number | 30 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 852005 |
46 Highgate Course is owned and occupied by two individuals who bought it in September 2018.
Source: Kane County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 46 HIGHGATE CRSE, SAINT CHARLES, IL 60174-1426 |
| 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 |
|---|---|
| Aug 7, 2018 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Sep 25, 2018 | Warranty Deed, Transfer · VA Mortgage HOMEAMERICA LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 25, 2018 · Amount on File |
| Deed Sale | Sep 25, 2018 · Amount on File |
| Prior Sale | Jun 13, 2016 · Amount on File |
| Deed Document Number | 201846989 |
| Prior Transfer Date | Mar 8, 2007 |
| Prior Transfer Doc | 0000028136 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 46 HIGHGATE CRSE, ST CHARLES, IL 60174-1426 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000038275 |
|---|---|
| Date | Aug 7, 2018 |
| Instrument | 2018K038275 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44101 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jul 25, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Sep 25, 2018 |
| Property Address | 46 HIGHGATE CRSE, ST CHARLES, IL 60174-1426 |
| Document Number | 0000046989 |
| Instrument Date | Sep 21, 2018 |
| Instrument | 46989 |
| Transaction Type | Transfer |
| Record Updated | Oct 5, 2018 |
| Title Company | CHICAGO TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $667.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 46 HIGHGATE CRSE ST CHARLES IL 601741426, ST CHARLES, IL 60174-1426 |
| Document Number | 46990 |
|---|---|
| Date | Sep 25, 2018 |
| Instrument | 46990 |
| Name | HOMEAMERICA LNDG |
|---|---|
| Address | PATCHOGUE, NY 11772 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 24, 2033 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.37% |
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 | Homeowner's exemption Veteran's exemption | $197,407 (+20.91%) Land $54,562 Building $142,845 | $592,458 (+20.91%) Land $163,752 Building $428,706 |
| 2024 | $163,272 Land $31,654 Building $131,618 | $490,012 Land $95,000 Building $395,012 | |
| 2022 | Disabled Person's exemption Veteran's exemption | $131,752 Land $30,731 Building $101,021 | $395,256 Land $92,193 Building $303,063 |
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 46 Highgate Course 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 |
| Community Rating System | Class 5 (25% premium discount) |
| 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.
Wildfire risk around 46 Highgate Course 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 | ST CHARLES serves 33,081 people · EPA ID IL0894830 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2022 |
| Lead | 4 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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 275 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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