Kane County property record for 5N430 Oak Rd, Saint Charles, IL 60175
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,960 sqft · built 1978 |
| Lot Size | 1.3 acres (56,628 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $535,000 (Mar 2023) |
| Tax Bill | $11,385 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Mar 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-16-376-020 |
| Primary APN | 09-16-376-020 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 1,960 sqft Living Area |
| 1st Floor Area | 1,960 sqft |
| Basement Area | 1,106 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Split Level |
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 56,628 sqft |
| Garage Type | Attached |
| Garage Area | 949 sqft |
| Parking Spaces | 4 Parking Spaces |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 5N430 OAK RD |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60175-4925 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MAP AREA: 043-MIDDLECREEK |
| Legal Subdivision | MIDDLECREEK |
| Legal Block | 4 |
| Legal Lot Number | 79 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 852103 |
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 Record |
|---|---|
| Mailing Address | 5N430 OAK RD, SAINT CHARLES, IL 60175-4925 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Dec 31, 2025 | Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC |
| Mar 22, 2023 | Warranty Deed, Transfer · Conventional Mortgage LOWER LLC |
| Jun 14, 2022 | Sheriff's Deed, Foreclosure ATTORNEY ONLY, ATTORNEY |
| Jan 23, 2017 | Loan Modification, Mortgage FEDERAL NAT'L MTG ASSN (FNMA) |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 22, 2023 · Amount on Record |
| Deed Sale | Mar 22, 2023 · Amount on Record |
| Prior Sale | Jun 14, 2022 · Amount on Record |
| Deed Document Number | 20238817 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 5N430 OAK RD, ST CHARLES, IL 60175-4925 |
| Transaction Type | Mortgage |
| Record Updated | Jan 8, 2026 |
| Title Company | FIDELITY NATIONAL TITLE INSURANCE NY, FIDELITY NATIONAL TITLE INS |
| Name | Verified Name |
|---|---|
| Address | 5N430 OAK RD, SAINT CHARLES, IL 60175-4925 |
| Document Number | 0000051944 |
|---|---|
| Date | Dec 31, 2025 |
| Instrument | 2025K051944 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MD 21044 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 7.25% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Mar 22, 2023 |
| Property Address | 5N430 OAK RD, ST CHARLES, IL 60175-4925 |
| Document Number | 0000008817 |
| Instrument Date | Mar 7, 2023 |
| Instrument | 2023K008817 |
| Transaction Type | Transfer |
| Record Updated | Mar 29, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $535.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 5N430 OAK RD, SAINT CHARLES, IL 60175-4925 |
| Document Number | 0000008818 |
|---|---|
| Date | Mar 22, 2023 |
| Instrument | 2023K008818 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.99% |
| Document Type | Sheriff's Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jun 14, 2022 |
| Property Address | 5N430 OAK RD, ST CHARLES, IL 60175-4925 |
| Document Number | 0000030967 |
| Instrument Date | May 10, 2022 |
| Instrument | 2022K030967 |
| Transaction Type | Foreclosure |
| Record Updated | Jun 20, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $284.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 27W451 OAK CT, WINFIELD, IL 60190-1424 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 5N430 OAK RD, ST CHARLES, IL 60175-4925 |
| Document Number | 0000011796 |
| Instrument Date | Jan 23, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5 N 430 OAK RD ST CHARLES IL 60175, ST CHARLES, IL 60175 |
| Document Number | 0000011796 |
|---|---|
| Date | Mar 7, 2017 |
| Instrument | 11796 |
| Name | FEDERAL NAT'L MTG ASSN (FNMA) |
|---|---|
| Type | Mortgage Company |
| Address | MEMPHIS, TN 38016 |
| Amount | Amount Recorded |
|---|---|
| Term | 480 Months |
| Due | Mar 6, 2057 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.5% |
Source: Kane County assessment roll, as of July 23, 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $11,385.00 (+23.52%) | $178,528 (+16.28%) Land $50,521 Building $128,007 | $535,798 (+16.28%) Land $151,624 Building $384,175 |
| 2024 | $153,527 (+21.36%) Land $46,550 Building $106,977 | $460,765 (+21.41%) Land $139,706 Building $321,059 | |
| 2022 | $9,217.00 (+6.09%) Homeowner's exemption | $126,505 (+4.91%) Land $45,192 Building $81,313 | $379,515 (+4.91%) Land $135,576 Building $243,939 |
| 2021 | $8,688.00 Homeowner's exemption | $120,584 Land $43,077 Building $77,507 | $361,752 Land $129,231 Building $232,521 |
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.
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 | 1 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 65% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST CHARLES serves 33,081 people · EPA ID IL0894830 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2022 |
| Lead | 4 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 92 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 | 100 / 20 |
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