817 Arrowhead Ln, Saint Charles, IL 60174 Property Records

Kane County property record for 817 Arrowhead Ln, Saint Charles, IL 60174

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,638 sqft · built 1992
Lot Size	0.201 acres (8,749 sqft)
Owner	Individual Name on Record
Last Sale	$375,000 (Aug 2021)
Tax Bill	$9,099 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Oct 2023 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`09-25-201-005`

Property Details

APN / Parcel Number

Primary APN	`09-25-201-005`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,638 sqft Living Area
Basement Area	819 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,749 sqft (0.201 acres)
Garage Type	Attached
Garage Area	416 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	817 ARROWHEAD LN
City	SAINT CHARLES
State	IL
Zip	60174-8609
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 80 IN CHARLEMAGNE SUB PHASE I
Legal Subdivision	CHARLEMAGNE SUB
Legal Phase	1
Legal Block	2
Legal Lot Number	80
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2015
Census Tract	852004

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	Individual Name on Record
Mailing Address	817 ARROWHEAD LN, SAINT CHARLES, IL 60174-8609
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2025	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Oct 17, 2023	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Feb 8, 2023	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Aug 10, 2021	Warranty Deed, Transfer · FHA Mortgage MUTUAL OF OMAHA MORTGAGE INC
Jan 29, 2019	Warranty Deed, Transfer · ARM BUSEY BANK
May 10, 2017	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 10, 2021 · Amount on Record
Deed Sale	Aug 10, 2021 · Amount on Record
Prior Sale	Jan 29, 2019 · Amount on Record
Deed Document Number	202160968
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	817 ARROWHEAD LN, ST CHARLES, IL 60174-8609
Transaction Type	Mortgage
Record Updated	Oct 13, 2025
Title Company	SERVICELINK, SERVICE LINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	817 ARROWHEAD LN, SAINT CHARLES, IL 60174-8609

Mortgage

Document Number	0000037979
Date	Sep 30, 2025
Instrument	2025K037979

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	GREENVILLE, SC 29601

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	311 Months
Due	Aug 1, 2051

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	817 ARROWHEAD LN, ST CHARLES, IL 60174-8609
Transaction Type	Mortgage
Record Updated	Oct 25, 2023
Title Company	SERVICELINK, SERVICE LINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	817 ARROWHEAD LN, SAINT CHARLES, IL 60174-8609

Mortgage

Document Number	0000036324
Date	Oct 17, 2023
Instrument	2023K036324

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	TEMPE, AZ 85284

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	334 Months
Due	Aug 1, 2051

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	817 ARROWHEAD LN, ST CHARLES, IL 60174-8609
Transaction Type	Mortgage
Record Updated	Feb 15, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	817 ARROWHEAD LN, SAINT CHARLES, IL 60174-8609

Mortgage

Document Number	0000003983
Date	Feb 8, 2023
Instrument	2023K003983

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	TEMPE, AZ 85284

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	342 Months
Due	Aug 1, 2051

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 10, 2021
Property Address	817 ARROWHEAD LN, ST CHARLES, IL 60174-8609
Document Number	0000060968
Map Reference	DOC 1953207
Instrument Date	Jul 20, 2021
Instrument	2021K060968
Transaction Type	Transfer
Record Updated	Aug 18, 2021
Title Company	PRECISION TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$375.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	817 ARROWHEAD LN, SAINT CHARLES, IL 60174-8609

Mortgage

Document Number	0000060969
Date	Aug 10, 2021
Instrument	2021K060969

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.62%

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 29, 2019
Property Address	817 ARROWHEAD LN, ST CHARLES, IL 60174-8609
Document Number	0000003791
Map Reference	DOC 1953207
Instrument Date	Jan 9, 2019
Instrument	2019K003791
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	BAIRD & WARNER TITLE SVCS IN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$309.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	817 ARROWHEAD LN, SAINT CHARLES, IL 60174-8609

Mortgage

Document Number	0000003792
Date	Jan 29, 2019
Instrument	2019K003792

Lender

Name	BUSEY BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Feb 1, 2024
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	7.25%
Index	1-Year LIBOR
Max Rate	10.2%

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 10, 2017
Property Address	817 ARROWHEAD LN, ST CHARLES, IL 60174-8609
Document Number	0000023961
Instrument Date	Apr 28, 2017
Instrument	23961
Transaction Type	Transfer
Record Updated	May 24, 2017
Title Company	ATTORNEY'S TITLE, ATTORNEYS TITLE GUARANTY FUND

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$409.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	845 PHEASANT TRL ST CHARLES IL 601748802, ST CHARLES, IL 60174-8802

Mortgage

Document Number	23962
Date	May 10, 2017
Instrument	23962

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 9, 2047

Interest

Rate Type	Fixed Rate
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
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	$9,099.00 (+13.75%) Homeowner's exemption	$137,750 (+8.53%) Land $40,417 Building $97,333	$413,415 (+8.53%) Land $121,300 Building $292,116
2024		$126,923 (+20.8%) Land $37,240 Building $89,683	$380,921 (+20.85%) Land $111,765 Building $269,157
2022	$7,999.00 (+4.18%) Homeowner's exemption	$105,071 (+4.91%) Land $36,893 Building $68,178	$315,213 (+4.91%) Land $110,679 Building $204,534
2021	$7,678.00 Homeowner's exemption	$100,153 Land $35,166 Building $64,987	$300,459 Land $105,498 Building $194,961

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	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 197 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

817 Arrowhead Ln, Saint Charles, IL 60174 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

September 2025: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

October 2023: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

February 2023: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

August 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

January 2019: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

May 2017: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Arrowhead Ln

Nearby Streets

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