4965 Foley Ln, Saint Charles, IL 60175 Property Records

Kane County property record for 4965 Foley Ln, Saint Charles, IL 60175

Property Summary

Property Type	Single Family Home
Lot Size	0.471 acres (20,530 sqft)
Owner	2 Company Names on File
Last Sale	$652,000 (Oct 2020)
Tax Bill	$18,464 (2025)
Deeds & Mortgages	May 2026 Sale May 2020 Construction Loan + 4 more
Flood Zone	Zone X (minimal risk)
APN	`09-09-404-009`

Property Details

APN / Parcel Number

Primary APN	`09-09-404-009`

Exterior

Lot Area	20,530 sqft (0.471 acres)

Location & Zoning

Street Address	4965 FOLEY LN
City	SAINT CHARLES
State	IL
Zip	60175-5823
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE RESERVE OF ST CHARLES LT 37
Legal Subdivision	THE RESERVE OF ST CHARLES
Legal Block	2
Legal Lot Number	37
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2012
Census Tract	852103

Owner

4965 Foley Ln is owned by a company that acquired it in May 2026 and is owner-occupied.

Source: Kane County records, as of July 21, 2026

Owner of Record	2 Company Names on File
Mailing Address	4965 FOLEY LN, SAINT CHARLES, IL 60175-5823
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Tenant

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
May 22, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
May 7, 2020	Deed of Trust, Mortgage · Construction Mortgage MORTON COMMUNITY BANK
Jan 28, 2021	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA
Oct 6, 2020	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage GUARANTEED RATE INC
Mar 31, 2020	Grant Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO
Feb 12, 2019	Deed of Trust, Mortgage · Line of Credit MORTON CMNTY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2020 · Amount on File
Deed Sale	Oct 6, 2020 · Amount on File
Prior Sale	Mar 31, 2020 · Amount on File
Deed Document Number	202058771
Last Transfer Date	May 5, 2026
Transfer Doc	0000021121
Record Updated	Sep 20, 2026

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	KANE IL
Recording Date	May 22, 2026
Property Address	4965 FOLEY LN, SAINT CHARLES, IL 60175-5823
Document Number	0000021121
Instrument Date	May 5, 2026
Instrument	202621121
Transaction Type	Transfer
Record Updated	Aug 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant
Address	4965 FOLEY LN, SAINT CHARLES, IL 60175-5823

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	4965 FOLEY LN, ST CHARLES, IL 60175-5823
Transaction Type	Mortgage
Record Updated	Aug 5, 2022
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023321
Date	May 7, 2020
Instrument	2020K023321

Lender

Name	MORTON COMMUNITY BANK
Type	Bank
Address	MORTON, IL 61550

Agreement

Type	Construction Mortgage
Amount	Amount on Record

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	4965 FOLEY LN, ST CHARLES, IL 60175-5823
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007615
Date	Jan 28, 2021
Instrument	2021K007615

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 27, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 6, 2020
Property Address	4965 FOLEY LN, ST CHARLES, IL 60175-5823
Document Number	0000058771
Map Reference	DOC 2006K58157
Instrument Date	Sep 30, 2020
Instrument	2020K058771
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 5, 2022
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$652.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4965 FOLEY LN, SAINT CHARLES, IL 60175-5823

Mortgage

Document Number	0000058772
Date	Oct 6, 2020
Instrument	2020K058772

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.62%

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KANE IL
Recording Date	Mar 31, 2020
Property Address	4965 FOLEY LN, ST CHARLES, IL 60175-5823
Document Number	0000016032
Instrument Date	Mar 30, 2020
Instrument	16032
Transaction Type	Transfer
Record Updated	Jun 24, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount on Record
Tax	$697.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2610 LAKE COOK RD #100 RIVERWOODS IL 600155710, 100, RIVERWOODS, IL 60015-5710

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	4965 FOLEY LN, ST CHARLES, IL 60175-5823
Document Number	0000011605
Instrument Date	Feb 12, 2019
Transaction Type	Mortgage
Record Updated	Apr 2, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2610 LAKE COOK RD #100 RIVERWOODS IL 600155710, 100, RIVERWOODS, IL 60015-5710

Mortgage

Document Number	0000011605
Date	Mar 26, 2019
Instrument	11605

Lender

Name	MORTON CMNTY BK
Type	Bank
Address	MORTON, IL 61550

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4965 Foley Ln was $18,464 with a homeowner's exemption, up 2.8% from the year before.

Source: Kane County assessment roll, as of August 25, 2025

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$18,464.00 (+2.81%) Homeowner's exemption
2024	$17,960.00	$266,828 Land $55,859 Building $210,969	$800,804 Land $167,644 Building $633,160
2022	$17,840.00 (+4%) Homeowner's exemption	$242,055 (+11.89%) Land $54,231 Building $187,824	$726,165 (+11.89%) Land $162,693 Building $563,472
2021	$17,154.00 Homeowner's exemption	$216,331 Land $51,693 Building $164,638	$648,993 Land $155,079 Building $493,914

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 4965 Foley Ln 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.

Wildfire

Wildfire risk around 4965 Foley Ln 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 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	IL AMERICAN-RIVER GRANGE private · serves 62 people · EPA ID IL0895600
Water Source	Purchased groundwater from ST CHARLES
Last State Inspection	Jun 2023
Lead	13 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 127 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

May also be available: AT&T.

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