Kane County property record for 6N646 Denker Ln, Saint Charles, IL 60175
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 3,178 sqft · built 1994 |
| Lot Size | 0.99 acres (43,124 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $625,000 (Jun 2020) |
| Tax Bill | $17,015 (2025) |
| Deeds & Mortgages | Jun 2020 Sale & Mortgage Jan 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-12-176-014 |
| Primary APN | 08-12-176-014 |
|---|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,178 sqft Living Area |
| Gross Area | 5,733 sqft |
| Basement Area | 1,582 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Lot Area | 43,124 sqft (0.99 acres) |
| Garage Type | Attached |
| Garage Area | 661 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
| Deck Area | 450 sqft |
| Cooling System | Central |
|---|
| Street Address | 6N646 DENKER LN |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60175-6967 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPLITRAIL FARM UNIT NO. 6 - LOT 91 |
| Legal Subdivision | SPLITRAIL FARM |
| Legal Block | 2 |
| Legal Lot Number | 91 |
| Legal Unit | 6 |
| Jurisdiction | KANE IL |
| Township / Civil Division | CAMPTON |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 852404 |
6N646 Denker Ln is owned and occupied by two individuals who bought it in June 2020.
Source: Kane County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 6N646 DENKER LN, SAINT CHARLES, IL 60175-6967 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 5, 2020 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE |
| Jan 6, 2018 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 5, 2020 · Amount on File |
| Deed Sale | Jun 5, 2020 · Amount on File |
| Prior Sale | Oct 30, 2013 · Amount on File |
| Deed Document Number | 202029258 |
| Prior Transfer Date | Jun 19, 2015 |
| Prior Transfer Doc | 0000037258 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jun 5, 2020 |
| Property Address | 6N646 DENKER LN, ST CHARLES, IL 60175-6967 |
| Document Number | 0000029258 |
| Instrument Date | May 13, 2020 |
| Instrument | 29258 |
| Transaction Type | Transfer |
| Record Updated | Aug 7, 2020 |
| Title Company | BAIRD AND WARNER TITLE SERVICES INC, BAIRD & WARNER TITLE SVCS INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $938.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 6N646 DENKER LN ST CHARLES IL 601756967, ST CHARLES, IL 60175-6967 |
| Document Number | 29259 |
|---|---|
| Date | Jun 5, 2020 |
| Instrument | 29259 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 4, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 6N646 DENKER LN, ST CHARLES, IL 60175-6967 |
| Document Number | 0000002593 |
| Instrument Date | Jan 6, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 6N646 DENKER LN ST CHARLES IL 601756967, ST CHARLES, IL 60175-6967 |
| Document Number | 0000002593 |
|---|---|
| Date | Jan 17, 2018 |
| Instrument | 2593 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 16, 2048 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 6N646 Denker Ln was $17,015 with a homeowner's exemption.
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Campton Township |
| Municipality | Campton Hills Village |
| Unified School District | St. Charles Community Unit School District 303 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $17,015.00 Homeowner's exemption | $280,655 (+8.43%) Land $29,110 Building $251,545 | $842,302 (+8.43%) Land $87,365 Building $754,937 |
| 2024 | $258,835 Land $26,847 Building $231,988 | $776,816 Land $80,573 Building $696,242 | |
| 2022 | $14,146.00 (+6.36%) Homeowner's exemption | $210,855 (+5.91%) Land $21,871 Building $188,984 | $632,565 (+5.91%) Land $65,613 Building $566,952 |
| 2021 | $13,300.00 Homeowner's exemption | $199,089 Land $20,651 Building $178,438 | $597,267 Land $61,953 Building $535,314 |
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.
FEMA maps place 6N646 Denker Ln in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 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 risk around 6N646 Denker 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 93% of the US · above 42% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 64 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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