5N285 Oak Rd, Saint Charles, IL 60175 Property Records

Kane County property record for 5N285 Oak Rd, Saint Charles, IL 60175 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	2.5 Baths
Year Built	Built 1976
Square Footage	2,559 sqft Living Area
Lot Size	54,450 sqft (1.25 acres)
Garage	Attached, 525 sqft
Last Sale	$595,000 (2024)
Tax Bill	$11,059.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`09-16-377-009`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Partial Baths	1 Partial Baths
Total Rooms	8 Rooms
Building Area	2,559 sqft Living Area
Basement Area	1,234 sqft Basement
Stories	2 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Combination Exterior
Construction Type	Frame Construction
Roof Construction	Gable Roof Construction
Roof Material	Wood Roof
Lot Area	54,450 sqft (1.25 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Attached Garage
Garage Area	525 sqft Garage
Porch	Open Porch

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Forced Air with Air Conditioning Heating
Heating Fuel	Gas Heating Fuel
Sewage	Septic Sewage
Water Source	Well Water Source

Location & Zoning

Street Address	5N285 OAK RD
City	SAINT CHARLES
State	IL
Zip	60175-4924
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	MIDDLECREEK SUB, UNIT # 2 LOT # 59
Legal Subdivision	MIDDLECREEK SUB
Legal Block	4
Legal Lot Number	59
Legal Unit	2
Jurisdiction	KANE IL
Minor Civil Division	ST. CHARLES
Census Blockgroup	4
Census Block	4004
Census Tract	852103

Owner

Source: Kane County records · APN 09-16-377-009

Assessment roll updated August 25, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	431 NELSON DR, GENEVA, IL 60134-4690
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Tenant By Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 11, 2024 · Amount on Record
Deed Sale	Jul 11, 2024 · Amount on Record
Prior Sale	Jun 30, 2010 · Amount on Record
Deed Doc Number	202424003
Record Refreshed	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	5N285 OAK RD, ST CHARLES, IL 60175-4924
Transaction Type	Mortgage
Record Updated	May 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000038392
Date	May 17, 2021
Instrument	2021K038392

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Oct 01, 2050

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$11,059.00 (+22.55%)
2024		$149,453 (+20.55%) Land $46,550 Building $102,903	$448,538 (+20.6%) Land $139,706 Building $308,833
2022	$9,024.00 (+6.1%) Homeowner's exemption	$123,976 (+4.91%) Land $45,192 Building $78,784	$371,928 (+4.91%) Land $135,576 Building $236,352
2021	$8,505.00 Homeowner's exemption	$118,174 Land $43,077 Building $75,097	$354,522 Land $129,231 Building $225,291

Flood & Wildfire

5N285 Oak Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).

Flood

Source: FEMA National Flood Hazard Layer · Kane County (17089C), updated October 8, 2026

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Low 6th percentile of exposed land nationally · 38th in Illinois
Wildfire Likelihood	Low — less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.