7N641 Stevens Rd, Saint Charles, IL 60175 Property Records

Kane County property record for 7N641 Stevens Rd, Saint Charles, IL 60175

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,440 sqft · built 1972
Lot Size	0.833 acres (36,300 sqft)
Owner	2 Individual Names on Record
Last Sale	$326,000 (Oct 2023)
Tax Bill	$8,877 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Nov 2025 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-06-277-001`

Property Details

APN / Parcel Number

Primary APN	`09-06-277-001`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,440 sqft Living Area
1st Floor Area	1,440 sqft
Basement Area	1,440 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	36,300 sqft (0.833 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	7N641 STEVENS RD
City	SAINT CHARLES
State	IL
Zip	60175-5410
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 OF OTTER CREEK SUB
Legal Subdivision	OTTER CREEK SUB
Legal Block	5
Legal Lot Number	5
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	5
Census Block	5022
Census Tract	852101

Owner

Source: Kane County records, as of August 17, 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	7N641 STEVENS RD, SAINT CHARLES, IL 60175-5410
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2026	Intrafamily Transfer, Transfer · FHA Mortgage NEIGHBORHOOD LOANS
Nov 26, 2025	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Oct 3, 2023	Warranty Deed, Transfer · Conventional Mortgage NEIGHBORHOOD LOANS
Apr 29, 2019	Loan Modification, Mortgage · Conventional Mortgage OTHER INSTITUTIONAL LENDERS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 2023 · Amount on Record
Deed Sale	Oct 3, 2023 · Amount on Record
Prior Sale	Apr 19, 1999 · Amount on Record
Deed Document Number	202334458
Prior Transfer Date	Dec 19, 2003
Prior Transfer Doc	0000218072
Record Updated	Sep 20, 2026

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Jan 6, 2026
Property Address	7N641 STEVENS RD, ST CHARLES, IL 60175-5410
Document Number	0000000473
Instrument Date	Dec 10, 2025
Instrument	2026K000473
Transaction Type	Transfer
Record Updated	Jan 15, 2026
Title Company	CARRINGTON TITLE PARTNERS LLC, CARRINGTON TTL PARTNERS LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	7N641 STEVENS RD, SAINT CHARLES, IL 60175-5410

Mortgage

Document Number	0000000474
Date	Jan 6, 2026
Instrument	2026K000474

Lender

Name	NEIGHBORHOOD LOANS
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.12%

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Nov 26, 2025
Property Address	7N641 STEVENS RD, ST CHARLES, IL 60175-5410
Document Number	0000047161
Instrument Date	Nov 17, 2025
Instrument	2025K047161
Transaction Type	Transfer
Record Updated	Dec 9, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	7N641 STEVENS RD, SAINT CHARLES, IL 60175-5410

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 3, 2023
Property Address	7N641 STEVENS RD, ST CHARLES, IL 60175-5410
Document Number	0000034458
Instrument Date	Sep 19, 2023
Instrument	2023K034458
Transaction Type	Transfer
Record Updated	Jul 14, 2025
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$326.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	7N641 STEVENS RD, SAINT CHARLES, IL 60175-5410

Mortgage

Document Number	0000034459
Date	Oct 3, 2023
Instrument	2023K034459

Lender

Name	NEIGHBORHOOD LOANS
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2053

Interest

Rate Type	Fixed Rate
Rate	7.25%

Mortgage

Document Number	0000034460
Date	Oct 3, 2023
Instrument	2023K034460

Lender

Name	ILLINOIS HOUSING DEVELOPMENT AUTHORITY
Type	Government Agency
Address	86060

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Oct 1, 2028

April 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KANE IL
Property Address	7N641 STEVENS RD, ST CHARLES, IL 60175-5410
Document Number	0000031927
Instrument Date	Apr 29, 2019
Transaction Type	Mortgage
Record Updated	Jul 31, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031927
Date	Jul 22, 2019
Instrument	31927

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Bank
Address	SALT LAKE CITY, UT 84119

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Jul 21, 2059

Interest

Rate	4.12%

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	$8,877.00 (+3.08%)	$133,743 (+8.53%) Land $46,479 Building $87,264	$401,390 (+8.53%) Land $139,493 Building $261,897
2024	$8,612.00 (+7.96%) Homeowner's exemption	$123,231 (+18.06%) Land $42,826 Building $80,405	$369,841 (+18.11%) Land $128,529 Building $241,312
2022	$7,977.00 (+4.18%) Homeowner's exemption	$104,376 (+4.91%) Land $37,925 Building $66,451	$313,128 (+4.91%) Land $113,775 Building $199,353
2021	$7,657.00 Homeowner's exemption	$99,491 Land $36,150 Building $63,341	$298,473 Land $108,450 Building $190,023

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

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

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

Wildfire Risk	Low lower than 97% of the US · lower than 79% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 124 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
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: Metronet, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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