4N655 Blue Lake Cir E, Saint Charles, IL 60175 Property Records

Kane County property record for 4N655 Blue Lake Cir E, Saint Charles, IL 60175

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,932 sqft · built 2008
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on File
Last Sale	$525,000 (Jul 2021)
Tax Bill	$13,539 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-23-181-002`

Property Details

APN / Parcel Number

Primary APN	`08-23-181-002`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,932 sqft Living Area
Gross Area	5,467 sqft
Basement Area	1,534 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Combination
Construction Type	Frame
Lot Area	12,632 sqft (0.29 acres)
Garage Type	Attached
Garage Area	791 sqft
Parking Spaces	3 Parking Spaces
Porch	Enclosed Porch
Deck Area	152 sqft

Utilities, Heating & Cooling

Cooling System	Central
Water Source	Well

Location & Zoning

Street Address	4N655 BLUE LAKE CIR E
City	SAINT CHARLES
State	IL
Zip	60175-7640
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FOX CREEK UNIT NO 1 LOT 9
Legal Subdivision	FOX CREEK
Legal Block	1
Legal Lot Number	9
Legal Unit	1
Jurisdiction	KANE IL
Township / Civil Division	CAMPTON
Census Block Group	1
Census Block	1001
Census Tract	852408

Owner

4N655 Blue Lake Cir E is owned and occupied by two individuals who bought it in July 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	4N655 BLUE LAKE CIR E, SAINT CHARLES, IL 60175-7640
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2021 · Amount on File
Deed Sale	Jul 12, 2021 · Amount on File
Prior Sale	Jan 9, 2012 · Amount on File
Deed Document Number	202152948
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 12, 2021
Property Address	4N655 BLUE LAKE CIR E, ST CHARLES, IL 60175-7640
Document Number	0000052948
Instrument Date	Jun 27, 2021
Instrument	2021K052948
Transaction Type	Transfer
Record Updated	Jul 29, 2021
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$525.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4N655 BLUE LAKE CIR E, SAINT CHARLES, IL 60175-7640

Mortgage

Document Number	0000052949
Date	Jul 12, 2021
Instrument	2021K052949

Lender

Name	THE ANDERSON FINANCIAL GROUP INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 4N655 Blue Lake Cir E was $13,539 with a homeowner's exemption.

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	$13,539.00 Homeowner's exemption	$214,088 (+8.43%) Land $45,322 Building $168,766	$642,521 (+8.43%) Land $136,020 Building $506,501
2024		$197,443 Land $41,798 Building $155,645	$592,566 Land $125,444 Building $467,122
2022	$12,227.00 (+4.63%) Homeowner's exemption	$160,843 (+5.91%) Land $34,050 Building $126,793	$482,529 (+5.91%) Land $102,150 Building $380,379
2021	$11,686.00 Homeowner's exemption	$151,868 Land $32,150 Building $119,718	$455,604 Land $96,450 Building $359,154

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 4N655 Blue Lake Cir E 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

Wildfire risk around 4N655 Blue Lake Cir E 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 99.1% of the US · lower than 94% 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	WASCO SD serves 4,000 people · EPA ID IL0890110
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	2 ppb (2025) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 138 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
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Fox Valley Internet.

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