708 Derby Course, Saint Charles, IL 60174 Property Records

Kane County property record for 708 Derby Course, Saint Charles, IL 60174

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,421 sqft · built 1988
Lot Size	0.106 acres (4,614 sqft)
Owner	Trust Name on File
Last Sale	$190,000 (Feb 2016)
Tax Bill	$6,379 (2025)
Deeds & Mortgages	Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-26-231-033`

Property Details

APN / Parcel Number

Primary APN	`09-26-231-033`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,421 sqft Living Area
Basement Area	252 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Combination
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,614 sqft (0.106 acres)
Garage Type	Attached
Garage Area	370 sqft
Parking Spaces	1 Parking Space
Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	708 DERBY CRSE
City	SAINT CHARLES
State	IL
Zip	60174-5765
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT OF LOT 9, HUNTERS FIELD COMMONS
Legal Subdivision	HUNTERS FIELDS COMM
Legal Block	2
Legal Lot Number	9
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2014
Census Tract	852005

Owner

708 Derby Course is owner-occupied and held in a trust since June 2016.

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

Owner of Record	Trust Name on File
Mailing Address	708 DERBY CRSE, SAINT CHARLES, IL 60174-5765
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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	Name on Deed
Last Sale	Feb 2, 2016 · Amount on File
Deed Sale	Feb 2, 2016 · Amount on File
Prior Sale	Apr 9, 2001 · Amount on File
Deed Document Number	20165157
Last Transfer Date	Jun 1, 2016
Transfer Doc	0000029246
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	708 DERBY CRSE, ST CHARLES, IL 60174-5765
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PLYMOUTH TITLE GUARANTY CORP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031675
Date	Jun 17, 2020
Instrument	2020K031675

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	CAROL STREAM, IL 60188

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.25%

Tax Assessment & Valuation

The 2025 property tax bill for 708 Derby Course was $6,379 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	St. Charles Township
Municipality	St. Charles City
Unified School District	St. Charles Community Unit School District 303 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,379.00 Homeowner's exemption	$98,966 (+0.41%) Land $22,229 Building $76,737	$297,017 (+0.41%) Land $66,714 Building $230,303
2024		$98,562 Land $20,482 Building $78,080	$295,804 Land $61,471 Building $234,334
2022	$5,607.00 (+4.3%) Homeowner's exemption	$75,455 (+4.91%) Land $18,446 Building $57,009	$226,365 (+4.91%) Land $55,338 Building $171,027
2021	$5,376.00 Homeowner's exemption	$71,924 Land $17,583 Building $54,341	$215,772 Land $52,749 Building $163,023

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 708 Derby Course 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
Community Rating System	Class 5 (25% premium discount)
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

The area around 708 Derby Course has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 152 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20