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  5. Oak Rd

5N316 Oak Rd, Saint Charles, IL 60175 Property Records

Kane County property record for 5N316 Oak Rd, Saint Charles, IL 60175 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms2.5 Baths
Year BuiltBuilt 1977
Square Footage2,288 sqft Living Area
Lot Size53,579 sqft (1.23 acres)
OccupancyOwner Occupied
Last Sale$320,000 (2020)
Tax Bill$10,295.00 (2025)

Property Details

APN / Parcel Number

Primary APN09-16-376-008

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Partial Baths1 Partial Baths
Total Rooms8 Rooms
Building Area2,288 sqft Living Area
Basement Area1,144 sqft Basement
Stories2 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure
FireplaceFireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 1977
Effective Year BuiltEffective 1977
Exterior MaterialCombination Exterior
Construction TypeFrame Construction
Roof ConstructionGable Roof Construction
Roof MaterialAsphalt Roof
Lot Area53,579 sqft (1.23 acres)
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area650 sqft Garage

Utilities and HVAC

Cooling SystemHVAC Cooling
Heating SystemForced Air with Air Conditioning Heating
Heating FuelGas Heating Fuel

Location & Zoning

Street Address5N316 OAK RD
CitySAINT CHARLES
StateIL
Zip60175-4954
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionMAP AREA: 043-MIDDLECREEK
Legal SubdivisionMIDDLECREEK
Legal Block4
Legal Lot Number71
JurisdictionKANE IL
Minor Civil DivisionST. CHARLES
Census Blockgroup4
Census Block4005
Census Tract852103

Owner

Source: Kane County records · APN 09-16-376-008

Assessment roll updated December 26, 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 RecordIndividual Name on File
Mailing Address5N316 OAK RD, SAINT CHARLES, IL 60175-4954
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Dec 31, 2025Deed of Trust, Mortgage · Line of Credit
LAKESIDE BANK
Feb 03, 2023Deed of Trust, Mortgage · Line of Credit
LAKESIDE BANK
Oct 14, 2022Intrafamily Transfer, Transfer
Oct 12, 2021Deed of Trust, Mortgage · Conventional Mortgage
CALIBER HOME LOANS INC
Jun 02, 2020Deed of Trust, Mortgage · Conventional Mortgage
CALIBER HM LOANS
Jan 22, 2020Warranty Deed, Transfer · Conventional Mortgage
CALIBER HM LOANS

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJan 22, 2020 · Amount on Record
Deed SaleJan 22, 2020 · Amount on Record
Prior SaleJul 19, 2016 · Amount on Record
Deed Doc Number20204141
Last Transfer DateJul 07, 2022
Transfer Doc0000050572
Record RefreshedSep 20, 2026

December 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address5N316 OAK RD, ST CHARLES, IL 60175-4954
Transaction TypeMortgage
Record UpdatedJan 08, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address5N316 OAK RD, SAINT CHARLES, IL 60175-4954

Mortgage

Document Number0000051925
DateDec 31, 2025
Instrument2025K051925
Lender
NameLAKESIDE BANK
TypeBank
AddressCHICAGO, IL 60605
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueDec 25, 2055
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).
Min Rate At Change5%
Max Rate24%

February 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address5N316 OAK RD, ST CHARLES, IL 60175-4954
Transaction TypeMortgage
Record UpdatedFeb 10, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address5N316 OAK RD, SAINT CHARLES, IL 60175-4954

Mortgage

Document Number0000003549
DateFeb 03, 2023
Instrument2023K003549
Lender
NameLAKESIDE BANK
TypeBank
AddressCHICAGO, IL 60605
Agreement
TypeLine of Credit
AmountAmount Recorded
Term353 Months
DueJul 25, 2052
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

October 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionKANE IL
Recording DateOct 14, 2022
Property Address5N316 OAK RD, ST CHARLES, IL 60175-4954
Document Number0000050572
Instrument DateJul 07, 2022
Instrument2022K050572
Transaction TypeTransfer
Record UpdatedJun 07, 2023

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address5N316 OAK RD, SAINT CHARLES, IL 60175-4954

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address5N316 OAK RD, ST CHARLES, IL 60175-4954
Transaction TypeMortgage
Record UpdatedOct 19, 2021
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000076712
DateOct 12, 2021
Instrument2021K076712
Lender
NameCALIBER HOME LOANS INC
TypeMortgage Company
AddressCOPPELL, TX 75019
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueNov 01, 2036

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address5N316 OAK RD, ST CHARLES, IL 60175-4954
Document Number0000031267
Instrument DateJun 02, 2020
Transaction TypeMortgage
Record UpdatedAug 06, 2020
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

NameVerified Name
Address5N316 OAK RD ST CHARLES IL 601754954, ST CHARLES, IL 60175-4954

Mortgage

Document Number0000031267
DateJun 16, 2020
Instrument31267
Lender
NameCALIBER HM LOANS
TypeFunding / Finance Company
AddressCOPPELL, TX 75019
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJun 15, 2050

January 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKANE IL
Recording DateJan 22, 2020
Property Address5N316 OAK RD, ST CHARLES, IL 60175-4954
Document Number0000004141
Instrument DateDec 28, 2019
Instrument4141
Transaction TypeTransfer
Record UpdatedFeb 06, 2020
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$480.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address310 LARSDOTTER LN GENEVA IL 601344632, GENEVA, IL 60134-4632

Mortgage

Document Number4142
DateJan 22, 2020
Instrument4142
Lender
NameCALIBER HM LOANS
TypeFunding / Finance Company
AddressCOPPELL, TX 75019
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJan 21, 2050

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated December 26, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionSt. Charles Township
Unified School DistrictSt. 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.

YearTax BillAssessed ValueAssessed Market Value
2025$10,295.00 (+15.96%) Homeowner's exemption
2024$139,372 (+14.18%) Land $40,964 Building $98,408$418,283 (+14.22%) Land $122,941 Building $295,342
2022$8,878.00 (+6.11%) Homeowner's exemption$122,065 (+4.91%) Land $39,770 Building $82,295$366,195 (+4.91%) Land $119,310 Building $246,885
2021$8,367.00 Homeowner's exemption$116,352 Land $37,909 Building $78,443$349,056 Land $113,727 Building $235,329

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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

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