Kane County property record for 77 Highgate Course, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 4,612 sqft · built 1976 |
| Lot Size | 0.696 acres (30,300 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $602,500 (Mar 2019) |
| Tax Bill | $20,575 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Sep 2022 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-23-427-026 |
| Primary APN | 09-23-427-026 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 4,612 sqft Living Area |
| Basement Area | 1,320 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | French |
| Exterior Material | Brick Veneer |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Wood |
| Lot Area | 30,300 sqft (0.696 acres) |
| Garage Area | 688 sqft |
| Parking Spaces | 4 Parking Spaces |
| Pool Area | 612 sqft |
| Porch | Open Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 77 HIGHGATE CRSE |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-1422 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MAP AREA: 006-ANTRE,PRSMWD,STW |
| Legal Subdivision | AINTREE |
| Legal Block | 2 |
| Legal Lot Number | 59,60 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 852005 |
77 Highgate Course is owned and occupied by two individuals who bought it in March 2019.
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 File |
|---|---|
| Mailing Address | 77 HIGHGATE CRSE, SAINT CHARLES, IL 60174-1422 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Dec 24, 2025 | Deed of Trust, Mortgage · Line of Credit KANE COUNTY TEACHERS CU |
| Sep 14, 2022 | Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA |
| May 3, 2021 | Deed of Trust, Mortgage · Conventional Mortgage COMPASS MORTGAGE INC |
| Feb 11, 2020 | Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA |
| Mar 8, 2019 | Grant Deed, Transfer ATTORNEY'S TITLE, ATTORNEYS TITLE GUARANTY FUND |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 8, 2019 · Amount on File |
| Deed Sale | Mar 8, 2019 · Amount on File |
| Prior Sale | Apr 13, 2007 · Amount on File |
| Deed Document Number | 20199204 |
| Prior Transfer Date | Jul 2, 1997 |
| Prior Transfer Doc | 0000054047 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 77 HIGHGATE CRSE, ST CHARLES, IL 60174-1422 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000051246 |
|---|---|
| Date | Dec 24, 2025 |
| Instrument | 2025K051246 |
| Name | KANE COUNTY TEACHERS CU |
|---|---|
| Type | Credit Union |
| Address | ELGIN, IL 60123 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Dec 23, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 77 HIGHGATE CRSE, ST CHARLES, IL 60174-1422 |
| Transaction Type | Mortgage |
| Record Updated | Sep 20, 2022 |
| Name | Verified Name |
|---|---|
| Address | 77 HIGHGATE CRSE, SAINT CHARLES, IL 60174-1422 |
| Document Number | 0000045868 |
|---|---|
| Date | Sep 14, 2022 |
| Instrument | 2022K045868 |
| Name | BMO HARRIS BANK NA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60606 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 13, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.54% |
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 77 HIGHGATE CRSE, ST CHARLES, IL 60174-1422 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2022 |
| Title Company | CT |
| Name | Verified Name |
|---|
| Document Number | 0000034403 |
|---|---|
| Date | May 3, 2021 |
| Instrument | 2021K034403 |
| Name | COMPASS MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | WARRENVILLE, IL 60555 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | May 1, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.37% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 77 HIGHGATE CRSE, ST CHARLES, IL 60174-1422 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000007660 |
|---|---|
| Date | Feb 11, 2020 |
| Instrument | 2020K007660 |
| Name | BMO HARRIS BANK NA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60690 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 5, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.73% |
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Mar 8, 2019 |
| Property Address | 77 HIGHGATE CRSE, ST CHARLES, IL 60174-1422 |
| Document Number | 0000009204 |
| Instrument Date | Feb 25, 2019 |
| Instrument | 9204 |
| Transaction Type | Transfer |
| Record Updated | Mar 20, 2019 |
| Title Company | ATTORNEY'S TITLE, ATTORNEYS TITLE GUARANTY FUND |
| Amount | Amount on Record |
|---|---|
| Tax | $903.75 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 77 HIGHGATE CRSE ST CHARLES IL 601741422, ST CHARLES, IL 60174-1422 |
The 2025 property tax bill for 77 Highgate Course was $20,575 with a homeowner's exemption.
Source: Kane County assessment roll, as of July 23, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $20,575.00 Homeowner's exemption | $301,377 (+16.33%) Land $60,624 Building $240,753 | $904,493 (+16.33%) Land $181,945 Building $722,548 |
| 2024 | $259,071 Land $37,240 Building $221,831 | $777,524 Land $111,765 Building $665,759 | |
| 2022 | $16,216.00 (+4.02%) Homeowner's exemption | $206,844 (+4.91%) Land $36,155 Building $170,689 | $620,532 (+4.91%) Land $108,465 Building $512,067 |
| 2021 | $15,590.00 Homeowner's exemption | $197,163 Land $34,463 Building $162,700 | $591,489 Land $103,389 Building $488,100 |
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 77 Highgate 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 risk around 77 Highgate Course 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.
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 275 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 |
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