Kane County property record for 5N351 Oak Rd, Saint Charles, IL 60175 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3.5 Baths |
| Year Built | Built 1977 |
| Square Footage | 3,015 sqft Living Area |
| Lot Size | 55,321 sqft (1.27 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $332,000 (2001) |
| Tax Bill | $11,835.00 (2025) |
| Primary APN | 09-16-377-029 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 10 Rooms |
| Building Area | 3,015 sqft Living Area |
| Basement Area | 1,126 sqft Basement |
| Stories | 2 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Exterior Material | Combination Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 55,321 sqft (1.27 acres) |
| Parking Spaces | 3 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 816 sqft Garage |
| Shed | 1 Shed |
|---|---|
| Shed Area | 80 sqft Shed |
| Deck Area | Deck Area |
| Porch | Open Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Heating Fuel | Gas Heating Fuel |
| Street Address | 5N351 OAK RD |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60175-4909 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 89 OF UNIT NO. 3 MIDDLECREEK |
| Legal Subdivision | MIDDLECREEK |
| Legal Block | 4 |
| Legal Lot Number | 89 |
| Legal Unit | 3 |
| Jurisdiction | KANE IL |
| Minor Civil Division | ST. CHARLES |
| Census Blockgroup | 4 |
| Census Block | 4004 |
| Census Tract | 852103 |
Source: Kane County records · APN 09-16-377-029
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 | 5N351 OAK RD, SAINT CHARLES, IL 60175-4909 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage INTEREST MORTGAGE LLC |
| Oct 20, 2018 | Deed of Trust, Mortgage · Line of Credit DUPAGE CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 25, 2001 · Amount on Record |
| Deed Sale | Apr 25, 2001 · Amount on Record |
| Prior Sale | Jun 04, 1997 · Amount on Record |
| Deed Doc Number | 200137215 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 5N351 OAK RD, ST CHARLES, IL 60175-4909 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000095533 |
|---|---|
| Date | Dec 27, 2021 |
| Instrument | 2021K095533 |
| Name | INTEREST MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | FORT MILL, SC 29707 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.37% |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Type Change Date | Jan 01, 2029 |
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Min Rate At Change | 3% |
| Max Rate At Change | 7.37% |
| Index | 1-Year CMT |
| Margin | 3 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 5N351 OAK RD, ST CHARLES, IL 60175-4909 |
| Document Number | 0000051599 |
| Instrument Date | Oct 20, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 5N351 OAK RD ST CHARLES IL 601754909, ST CHARLES, IL 60175-4909 |
| Document Number | 0000051599 |
|---|---|
| Date | Oct 22, 2018 |
| Instrument | 51599 |
| Name | DUPAGE CU |
|---|---|
| Type | Credit Union |
| Address | NAPERVILLE, IL 60563 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 21, 2038 |
| Rate Type | Adjustable Rate |
|---|
Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | St. Charles Township |
| Unified School District | St. Charles Community Unit School District 303 (PK - 12) |
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 | $11,835.00 (+16.36%) Homeowner's exemption | ||
| 2024 | $159,162 (+14.53%) Land $46,550 Building $112,612 | $477,677 (+14.57%) Land $139,706 Building $337,971 | |
| 2022 | $10,171.00 (+6.07%) Homeowner's exemption | $138,973 (+4.91%) Land $45,192 Building $93,781 | $416,919 (+4.91%) Land $135,576 Building $281,343 |
| 2021 | $9,589.00 Homeowner's exemption | $132,469 Land $43,077 Building $89,392 | $397,407 Land $129,231 Building $268,176 |
5N351 Oak Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
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 |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 5th percentile of exposed land nationally · 30th 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.
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