Kane County property record for 545 Reserve Dr, Saint Charles, IL 60175
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,824 sqft · built 2010 |
| Lot Size | 0.43 acres (18,711 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $170,000 (Nov 2009) |
| Tax Bill | $17,600 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-09-479-004 |
| Primary APN | 09-09-479-004 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,824 sqft Living Area |
| Basement Area | 1,475 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 18,711 sqft (0.43 acres) |
| Garage Type | Attached |
| Garage Area | 728 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 545 RESERVE DR |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60175-6381 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THE RESERVE OF ST CHARLES LT 87 |
| Legal Subdivision | THE RESERVE OF ST CHARLES |
| Legal Block | 2 |
| Legal Lot Number | 87 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 852103 |
545 Reserve Dr is owned by a company that acquired it in April 2016 and is owner-occupied.
Source: Kane County records, as of July 23, 2026
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 545 RESERVE DR, SAINT CHARLES, IL 60175-6381 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 12, 2009 · Amount on File |
| Deed Sale | Nov 12, 2009 · Amount on File |
| Prior Sale | Sep 24, 2009 · Amount on File |
| Deed Document Number | 200984065 |
| Last Transfer Date | Apr 21, 2016 |
| Transfer Doc | 0000021869 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 545 Reserve Dr was $17,600 with exemptions applied.
Source: Kane County assessment roll, as of July 23, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $17,600.00 Homeowner's exemption Senior Citizen's exemption | $266,953 (+8.53%) Land $60,624 Building $206,329 | $801,179 (+8.53%) Land $181,945 Building $619,235 |
| 2024 | $245,971 Land $55,859 Building $190,112 | $738,208 Land $167,644 Building $570,564 | |
| 2022 | $16,397.00 (+4.13%) Homeowner's exemption | $214,086 (+4.91%) Land $54,231 Building $159,855 | $642,258 (+4.91%) Land $162,693 Building $479,565 |
| 2021 | $15,746.00 Homeowner's exemption | $204,066 Land $51,693 Building $152,373 | $612,198 Land $155,079 Building $457,119 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 545 Reserve Dr 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 risk around 545 Reserve 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 97% of the US · lower than 79% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 147 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 |
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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