57 Highgate Course, Saint Charles, IL 60174 Property Records

Kane County property record for 57 Highgate Course, Saint Charles, IL 60174

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,891 sqft · built 1977
Lot Size	0.499 acres (21,741 sqft)
Owner	Individual Name on File
Last Sale	$655,000 (Feb 2023)
Tax Bill	$16,310 (2025)
Deeds & Mortgages	Feb 2023 Sale Nov 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-23-427-004`

Property Details

APN / Parcel Number

Primary APN	`09-23-427-004`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,891 sqft Living Area
Basement Area	1,260 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Georgian
Exterior Material	Brick
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,741 sqft (0.499 acres)
Garage Type	Attached
Garage Area	783 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	57 HIGHGATE CRSE
City	SAINT CHARLES
State	IL
Zip	60174-1422
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	54
Legal Subdivision	AINTREE
Legal Block	2
Legal Lot Number	54
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2001
Census Tract	852005

Owner

57 Highgate Course is owned and occupied by an individual who bought it in February 2023.

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	Individual Name on File
Mailing Address	39W655 TERNEY SQ, GENEVA, IL 60134-4457
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Woman, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2023	Deed, Transfer BAIRD AND WARNER TITLE SERVICES INC, BAIRD & WARNER TITLE
Nov 9, 2022	Intrafamily Transfer, Transfer ATTORNEY
Jan 9, 2019	Warranty Deed, Transfer · Conventional Mortgage PLAZA HOME MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 10, 2023 · Amount on File
Deed Sale	Feb 10, 2023 · Amount on File
Prior Sale	Jan 9, 2019 · Amount on File
Deed Document Number	20234267
Prior Transfer Date	Nov 7, 2022
Prior Transfer Doc	0000054361
Record Updated	Oct 29, 2026

February 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	KANE IL
Recording Date	Feb 10, 2023
Property Address	57 HIGHGATE CRSE, SAINT CHARLES, IL 60174-1422
Document Number	0000004267
Instrument Date	Feb 8, 2023
Instrument	2023K004267
Transaction Type	Transfer
Record Updated	Feb 20, 2023
Title Company	BAIRD AND WARNER TITLE SERVICES INC, BAIRD & WARNER TITLE

Transaction

Amount	Amount on Record
Tax	$655.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	57 HIGHGATE CRSE, SAINT CHARLES, IL 60174-1422

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Nov 9, 2022
Property Address	57 HIGHGATE CRSE, SAINT CHARLES, IL 60174-1422
Document Number	0000054361
Instrument Date	Nov 7, 2022
Instrument	2022K054361
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	57 HIGHGATE CRSE, SAINT CHARLES, IL 60174-1422

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 9, 2019
Property Address	57 HIGHGATE CRSE, SAINT CHARLES, IL 60174-1422
Document Number	0000001205
Instrument Date	Dec 28, 2018
Instrument	2019K001205
Transaction Type	Transfer
Record Updated	Jul 27, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$376.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	57 HIGHGATE CRSE, SAINT CHARLES, IL 60174-1422

Mortgage

Document Number	0000001206
Date	Jan 9, 2019
Instrument	2019K001206

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2049

Interest

Rate	6.12%

Tax Assessment & Valuation

The 2025 property tax bill for 57 Highgate Course was $16,310 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	$16,310.00	$240,561 (+18.48%) Land $60,624 Building $179,937	$721,972 (+18.48%) Land $181,945 Building $540,027
2024		$203,035 Land $37,240 Building $165,795	$609,349 Land $111,765 Building $497,584
2022	$11,187.00 (+4.08%) Homeowner's exemption	$146,093 (+4.91%) Land $36,155 Building $109,938	$438,279 (+4.91%) Land $108,465 Building $329,814
2021	$10,748.00 Homeowner's exemption	$139,256 Land $34,463 Building $104,793	$417,768 Land $103,389 Building $314,379

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 57 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 57 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 93% of the US · above 42% 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 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

Cell Coverage

5G (outdoors only) and 4G LTE

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