54 Highgate Course, Saint Charles, IL 60174 Property Records

Kane County property record for 54 Highgate Course, Saint Charles, IL 60174

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,531 sqft · built 1978
Lot Size	0.583 acres (25,399 sqft)
Owner	2 Individual Names on File
Last Sale	$515,000 (Oct 2004)
Tax Bill	$13,782 (2025)
Deeds & Mortgages	Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-24-301-004`

Property Details

APN / Parcel Number

Primary APN	`09-24-301-004`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,531 sqft Living Area
Basement Area	1,139 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Brick
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	25,399 sqft (0.583 acres)
Garage Type	Attached
Garage Area	605 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	54 HIGHGATE CRSE
City	SAINT CHARLES
State	IL
Zip	60174-1426
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 28 IN AINTREE
Legal Subdivision	AINTREE
Legal Block	2
Legal Lot Number	28
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2000
Census Tract	852005

Owner

54 Highgate Course is owned and occupied by two individuals who bought it in October 2004.

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

Owner of Record	2 Individual Names on File
Mailing Address	54 HIGHGATE CRSE, SAINT CHARLES, IL 60174-1426
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	Oct 21, 2004 · Amount on File
Deed Sale	Oct 21, 2004 · Amount on File
Prior Sale	Dec 2, 1994 · Amount on File
Deed Document Number	2004138080
Record Updated	Oct 29, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	54 HIGHGATE CRSE, ST CHARLES, IL 60174-1426
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000042133
Date	Aug 14, 2017
Instrument	2017K042133

Lender

Name	CIBM BANK
Type	Bank
Address	NAPERVILLE, IL 60563

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2032

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 54 Highgate Course was $13,782 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	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	$13,782.00 Homeowner's exemption	$204,522 (+20.43%) Land $54,562 Building $149,960	$613,812 (+20.43%) Land $163,752 Building $450,060
2024		$169,828 Land $31,654 Building $138,174	$509,688 Land $95,000 Building $414,688
2022	$10,602.00 (+4.09%) Homeowner's exemption	$137,311 (+4.91%) Land $30,731 Building $106,580	$411,933 (+4.91%) Land $92,193 Building $319,740
2021	$10,185.00 Homeowner's exemption	$130,885 Land $29,293 Building $101,592	$392,655 Land $87,879 Building $304,776

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 54 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

Wildfire risk around 54 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.

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 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