5N345 Paddock Ln, Saint Charles, IL 60175 Property Records

Kane County property record for 5N345 Paddock Ln, Saint Charles, IL 60175

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,292 sqft · built 1979
Lot Size	0.56 acres (24,394 sqft)
Owner	2 Individual Names on File
Last Sale	$360,000 (Sep 2020)
Tax Bill	$11,045 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-16-326-024`

Property Details

APN / Parcel Number

Primary APN	`08-16-326-024`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,292 sqft Living Area
Gross Area	4,112 sqft
Basement Area	1,309 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Colonial
Construction Type	Frame
Lot Area	24,394 sqft (0.56 acres)
Garage Type	Attached
Garage Area	511 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Deck Area	620 sqft

Utilities, Heating & Cooling

Cooling System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	5N345 PADDOCK LN
City	SAINT CHARLES
State	IL
Zip	60175-8292
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 160 IN BRANIGARS THE WINDINGS OF FERSON CREEK UNIT NO 6
Legal Subdivision	FERSON CREEK
Legal Block	2
Legal Lot Number	160
Legal Unit	6
Jurisdiction	KANE IL
Township / Civil Division	CAMPTON
Census Block Group	2
Census Block	2008
Census Tract	852405

Owner

5N345 Paddock Ln is owned and occupied by two individuals who bought it in September 2020.

Source: Kane County records, as of July 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5N345 PADDOCK LN, SAINT CHARLES, IL 60175-8292
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2020 · Amount on File
Deed Sale	Sep 23, 2020 · Amount on File
Prior Sale	Aug 5, 2003 · Amount on File
Deed Document Number	202055304
Record Updated	Oct 29, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 23, 2020
Property Address	5N345 PADDOCK LN, ST CHARLES, IL 60175-8292
Document Number	0000055304
Instrument Date	Sep 14, 2020
Instrument	2020K055304
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	SATURN TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5N345 PADDOCK LN, SAINT CHARLES, IL 60175-8292

Mortgage

Document Number	0000055305
Date	Sep 23, 2020
Instrument	2020K055305

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.75%

Tax Assessment & Valuation

The 2025 property tax bill for 5N345 Paddock Ln was $11,045 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	Campton Township
Unified School District	Central Community Unit School District 301 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$11,045.00 Homeowner's exemption	$165,837 (+8.43%) Land $24,632 Building $141,205	$497,710 (+8.43%) Land $73,926 Building $423,785
2024		$152,944 Land $22,717 Building $130,227	$459,016 Land $68,178 Building $390,837
2022	$10,173.00 (+3.53%) Homeowner's exemption	$121,492 (+5.91%) Land $18,506 Building $102,986	$364,476 (+5.91%) Land $55,518 Building $308,958
2021	$9,826.00 Homeowner's exemption	$114,712 Land $17,473 Building $97,239	$344,136 Land $52,419 Building $291,717

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 5N345 Paddock Ln 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
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 5N345 Paddock Ln 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 98% of the US · lower than 86% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	IL AMERICAN-FERSON CREEK private · serves 1,134 people · EPA ID IL0895800
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	Under 1 ppb (2025) action level 15 ppb
Copper	1.4 mg/L (2023) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	3 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 166 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20