5N233 Bluff Dr S, Saint Charles, IL 60175 Property Records

Kane County property record for 5N233 Bluff Dr S, Saint Charles, IL 60175

Property Summary

Property Type	Single Family Home
Details	5 bd · 1 ba · 2,392 sqft · built 1967
Lot Size	1.26 acres (55,321 sqft)
Owner	2 Individual Names on File
Last Sale	$640,000 (May 2021)
Tax Bill	$14,851 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-15-376-004`

Property Details

APN / Parcel Number

Primary APN	`09-15-376-004`

Interior

Bedrooms	5 Beds
Full Baths	1 Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,392 sqft Living Area
Basement Area	1,196 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1969
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	55,321 sqft
Garage Type	Attached
Garage Area	594 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	512 sqft
Porch	Open Porch
Deck Area	Deck Area
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5N233 BLUFF DR S
City	SAINT CHARLES
State	IL
Zip	60175-5189
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FARMINGTON 4
Legal Subdivision	FARMINGTON
Legal Block	1
Legal Lot Number	4
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	1
Census Block	1031
Census Tract	852103

Owner

5N233 Bluff Dr S is owned and occupied by two individuals who bought it in May 2021.

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 Individual Names on File
Mailing Address	5N233 BLUFF DR S, SAINT CHARLES, IL 60175-5189
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2021 · Amount on File
Deed Sale	May 18, 2021 · Amount on File
Prior Sale	Jul 19, 1994 · Amount on File
Deed Document Number	202138429
Record Updated	Oct 29, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 18, 2021
Property Address	5N233 BLUFF DR S, ST CHARLES, IL 60175-5189
Document Number	0000038429
Instrument Date	May 12, 2021
Instrument	2021K038429
Transaction Type	Transfer
Record Updated	Jun 2, 2021
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$640.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1803 BECKHAM LN, 1803, ST CHARLES, IL 60174-5000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5N233 BLUFF DR S, SAINT CHARLES, IL 60175-5189

Mortgage

Document Number	0000038430
Date	May 18, 2021
Instrument	2021K038430

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2036

Interest

Rate Type	Fixed Rate
Rate	2%

Tax Assessment & Valuation

The 2025 property tax bill for 5N233 Bluff Dr S was $14,851 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
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	$14,851.00 Homeowner's exemption	$236,149 (+8.53%) Land $80,832 Building $155,317	$708,730 (+8.53%) Land $242,593 Building $466,137
2024		$217,589 Land $74,479 Building $143,110	$653,028 Land $223,526 Building $429,502
2022	$11,681.00 (+6.04%) Homeowner's exemption	$158,719 (+4.91%) Land $73,784 Building $84,935	$476,157 (+4.91%) Land $221,352 Building $254,805
2021	$11,016.00 Homeowner's exemption	$151,291 Land $70,331 Building $80,960	$453,873 Land $210,993 Building $242,880

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 5N233 Bluff Dr S in Zone X, an area of minimal flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 13 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	1 (2022)
Most Recent Claim	Sep 2022 · other causes

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 5N233 Bluff Dr S 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 111 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: Metronet, Verizon.

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