7N156 Lancaster Rd, Saint Charles, IL 60175 Property Records

Kane County property record for 7N156 Lancaster Rd, Saint Charles, IL 60175

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,786 sqft · built 1999
Lot Size	1.11 acres (48,787 sqft)
Owner	2 Individual Names on Record
Last Sale	$950,000 (Mar 2025)
Tax Bill	$20,176 (2025)
Deeds & Mortgages	Sep 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-04-376-008`

Property Details

APN / Parcel Number

Primary APN	`09-04-376-008`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	12 Rooms
Stories	1 Story
Building Area	3,786 sqft Living Area
1st Floor Area	3,786 sqft
Basement Area	3,786 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Wood
Lot Area	48,787 sqft
Garage Type	Attached
Garage Area	927 sqft
Parking Spaces	4 Parking Spaces
Pool Area	648 sqft
Porch	Open Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Well

Location & Zoning

Street Address	7N156 LANCASTER RD
City	SAINT CHARLES
State	IL
Zip	60175-6373
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SILVER GLEN ESTATES UNIT 2 - LOT 39
Legal Subdivision	SILVER GLEN ESTATES
Legal Block	5
Legal Lot Number	39
Legal Unit	2
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	5
Census Block	5013
Census Tract	852103

Owner

Source: Kane County records, as of July 23, 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 Record
Mailing Address	7N156 LANCASTER RD, SAINT CHARLES, IL 60175-6373
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 12, 2025 · Amount on Record
Deed Sale	Mar 12, 2025 · Amount on Record
Prior Sale	Sep 2, 2011 · Amount on Record
Deed Document Number	20258900
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	7N156 LANCASTER RD, ST CHARLES, IL 60175-6373
Transaction Type	Mortgage
Record Updated	Oct 13, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7N156 LANCASTER RD, SAINT CHARLES, IL 60175-6373

Mortgage

Document Number	0000037259
Date	Sep 25, 2025
Instrument	2025K037259

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.6%
Index	SOFR Average 30-Day
Max Rate	10.6%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	St. Charles Township
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	$20,176.00 (+9.44%)	$310,209 (+8.57%) Land $60,624 Building $249,585	$930,999 (+8.57%) Land $181,945 Building $749,055
2024		$285,718 (+15.67%) Land $55,859 Building $229,859	$857,497 (+15.72%) Land $167,644 Building $689,853
2022	$18,435.00 (+5.96%) Homeowner's exemption	$247,007 (+4.91%) Land $52,571 Building $194,436	$741,021 (+4.91%) Land $157,713 Building $583,308
2021	$17,398.00 Homeowner's exemption	$235,447 Land $50,111 Building $185,336	$706,341 Land $150,333 Building $556,008

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

Source: FEMA National Flood Hazard Layer, effective October 8, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Low lower than 95% of the US · lower than 70% 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.

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 112 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Xfinity Cable	1,200 / 35
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20