51 Cobblestone Dr, Saint Charles, IL 60174 Property Records

Kane County property record for 51 Cobblestone Dr, Saint Charles, IL 60174

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,612 sqft · built 2005
Lot Size	0.61 acres (2,667 sqft)
Owner	2 Company Names on Record
Last Sale	$469,000 (Nov 2005)
Tax Bill	$18,033 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`09-34-135-022`

Property Details

APN / Parcel Number

Primary APN	`09-34-135-022`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,612 sqft Living Area
Basement Area	1,155 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	2,667 sqft (0.61 acres)
Porch	Open Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	51 COBBLESTONE DR
City	SAINT CHARLES
State	IL
Zip	60174-2865
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THAT PT OF LT 10 OF THE BROWNSTONE SUB IN SEC 34-40-8 (EX PT DESC IN DOC 2005K106773, 2005K113165)
Legal Range	08
Legal Township	40
Legal Section	34
Legal Subdivision	OF THE BROWNSTONE SUB
Legal Block	2
Legal Lot Number	10
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2018
Census Tract	852300

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on Record
Mailing Address	51 COBBLESTONE DR, SAINT CHARLES, IL 60174-2865
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 3, 2005 · Amount on Record
Deed Sale	Nov 3, 2005 · Amount on Record
Deed Document Number	2005133164
Last Transfer Date	Aug 23, 2013
Transfer Doc	0000064540
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	51 COBBLESTONE DR, ST CHARLES, IL 60174-2865
Transaction Type	Mortgage
Record Updated	Feb 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	51 COBBLESTONE DR, SAINT CHARLES, IL 60174-2865

Mortgage

Document Number	0000005819
Date	Feb 13, 2026
Instrument	2026K005819

Lender

Name	BMO BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 11, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.99%
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Kane County assessment roll, as of July 23, 2026

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	$18,033.00 (+7.21%) Homeowner's exemption Senior Citizen's exemption	$273,129 (+8.53%) Land $54,562 Building $218,567	$819,715 (+8.53%) Land $163,752 Building $655,963
2024		$251,663 (+17.42%) Land $50,274 Building $201,389	$755,291 (+17.47%) Land $150,882 Building $604,409
2022	$16,820.00 (+4.01%) Homeowner's exemption	$214,329 (+4.91%) Land $44,271 Building $170,058	$642,987 (+4.91%) Land $132,813 Building $510,174
2021	$16,172.00 Homeowner's exemption	$204,298 Land $42,199 Building $162,099	$612,894 Land $126,597 Building $486,297

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	10 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

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	None beyond ember reach

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 494 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 · Fixed Wireless in parts of the area	100 / 20