545 Persimmon Dr, Saint Charles, IL 60174 Property Records

Kane County property record for 545 Persimmon Dr, Saint Charles, IL 60174

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,136 sqft · built 1986
Lot Size	0.717 acres (31,227 sqft)
Owner	2 Individual Names on File
Last Sale	$428,500 (Mar 2010)
Tax Bill	$17,992 (2025)
Deeds & Mortgages	May 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-27-277-007`

Property Details

APN / Parcel Number

Primary APN	`09-27-277-007`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,136 sqft Living Area
Basement Area	750 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	31,227 sqft (0.717 acres)
Garage Type	Attached
Garage Area	651 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Deck Area	Deck Area
Shed	1 Shed
Shed Area	280 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	545 PERSIMMON DR
City	SAINT CHARLES
State	IL
Zip	60174-1383
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PERSIMMON FIELDS - LOT 21
Legal Subdivision	PERSIMMON FIELDS
Legal Block	1
Legal Lot Number	21
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	1
Census Block	1007
Census Tract	852005

Owner

545 Persimmon Dr is owned and occupied by two individuals who bought it in March 2010.

Source: Kane County records, as of August 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	545 PERSIMMON DR, SAINT CHARLES, IL 60174-1383
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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	Mar 17, 2010 · Amount on File
Deed Sale	Mar 17, 2010 · Amount on File
Prior Sale	Jul 2, 2008 · Amount on File
Deed Document Number	201017921
Prior Transfer Date	Nov 7, 2000
Prior Transfer Doc	0000090183
Record Updated	Sep 20, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	545 PERSIMMON DR, ST CHARLES, IL 60174-1383
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025550
Date	May 19, 2017
Instrument	2017K025550

Lender

Name	WEST SUBURBAN BANK
Type	Bank
Address	AURORA, IL 60506

Agreement

Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	5 Years

Tax Assessment & Valuation

The 2025 property tax bill for 545 Persimmon Dr was $17,992 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	$17,992.00 Homeowner's exemption	$273,482 (+2.39%) Land $72,749 Building $200,733	$820,774 (+2.39%) Land $218,334 Building $602,440
2024		$267,109 Land $44,688 Building $222,421	$801,648 Land $134,118 Building $667,530
2022	$14,326.00 (+4.76%) Homeowner's exemption	$208,436 (+4.91%) Land $43,163 Building $165,273	$625,308 (+4.91%) Land $129,489 Building $495,819
2021	$13,675.00 Homeowner's exemption	$198,681 Land $41,143 Building $157,538	$596,043 Land $123,429 Building $472,614

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 545 Persimmon Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1 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 545 Persimmon Dr 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	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 224 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20