809 Steeplechase Rd, Saint Charles, IL 60174 Property Records

Kane County property record for 809 Steeplechase Rd, Saint Charles, IL 60174

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,739 sqft · built 1990
Lot Size	0.447 acres (19,467 sqft)
Owner	2 Individual Names on Record
Last Sale	$410,000 (Sep 2020)
Tax Bill	$12,920 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-27-276-021`

Property Details

APN / Parcel Number

Primary APN	`09-27-276-021`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,739 sqft Living Area
Basement Area	1,148 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	19,467 sqft (0.447 acres)
Garage Type	Attached
Garage Area	712 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	809 STEEPLECHASE RD
City	SAINT CHARLES
State	IL
Zip	60174-2380
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	7 UNIT 1
Legal Subdivision	HUNT CLUB
Legal Block	1
Legal Lot Number	7
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	1
Census Block	1006
Census Tract	852005

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	809 STEEPLECHASE RD, SAINT CHARLES, IL 60174-2380
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	Sep 16, 2020 · Amount on Record
Deed Sale	Sep 16, 2020 · Amount on Record
Prior Sale	Aug 7, 2002 · Amount on Record
Deed Document Number	202053185
Record Updated	Oct 29, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 16, 2020
Property Address	809 STEEPLECHASE RD, ST CHARLES, IL 60174-2380
Document Number	0000053185
Map Reference	DOC 1949388
Instrument Date	Jun 30, 2020
Instrument	2020K053185
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$410.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	809 STEEPLECHASE RD, SAINT CHARLES, IL 60174-2380

Mortgage

Document Number	0000053186
Date	Sep 16, 2020
Instrument	2020K053186

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jul 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2025
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6.12%
Index	1-Year LIBOR
Max Rate	9.12%

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
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	$12,920.00 (+14.78%) Homeowner's exemption Senior Citizen's exemption	$201,919 (+11.89%) Land $54,562 Building $147,357	$605,999 (+11.89%) Land $163,752 Building $442,248
2024		$180,463 (+22.92%) Land $44,688 Building $135,775	$541,606 (+22.97%) Land $134,118 Building $407,488
2022	$11,256.00 (+4.08%) Homeowner's exemption	$146,808 (+5.91%) Land $47,001 Building $99,807	$440,424 (+5.91%) Land $141,003 Building $299,421
2021	$10,815.00 Homeowner's exemption	$138,610 Land $44,801 Building $93,809	$415,830 Land $134,403 Building $281,427

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	1 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.

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 140 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20