82 Highgate Course, Saint Charles, IL 60174 Property Records

Kane County property record for 82 Highgate Course, Saint Charles, IL 60174

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,953 sqft · built 1978
Lot Size	0.468 acres (20,400 sqft)
Owner	Individual Name on Record
Last Sale	$450,000 (Oct 2020)
Tax Bill	$13,179 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Oct 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-23-426-009`

Property Details

APN / Parcel Number

Primary APN	`09-23-426-009`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,953 sqft Living Area
1st Floor Area	2,953 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1992
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Concrete
Roof Material	Other
Lot Area	20,400 sqft (0.468 acres)
Garage Type	Attached
Garage Area	581 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	82 HIGHGATE CRSE
City	SAINT CHARLES
State	IL
Zip	60174-1426
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 21 IN AINTREE SUBDIVISION
Legal Subdivision	AINTREE SUBD
Legal Block	2
Legal Lot Number	21
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2000
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	Individual Name on Record
Mailing Address	82 HIGHGATE CRSE, SAINT CHARLES, IL 60174-1426
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
Oct 19, 2020	Warranty Deed, Transfer CITYWIDE TITLE CORPORATION, CITYWIDE TITLE CORP
Jan 19, 2017	Warranty Deed, Transfer · Conventional Mortgage BMO HARRIS BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 19, 2020 · Amount on Record
Deed Sale	Oct 19, 2020 · Amount on Record
Prior Sale	Jan 19, 2017 · Amount on Record
Deed Document Number	202062168
Prior Transfer Date	Jul 31, 2013
Prior Transfer Doc	0000057175
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	82 HIGHGATE CRSE, ST CHARLES, IL 60174-1426
Transaction Type	Mortgage
Record Updated	Sep 1, 2021
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000064953
Date	Aug 25, 2021
Instrument	2021K064953

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 19, 2020
Property Address	82 HIGHGATE CRSE, ST CHARLES, IL 60174-1426
Document Number	0000062168
Instrument Date	Sep 18, 2020
Instrument	62168
Transaction Type	Transfer
Record Updated	Oct 30, 2020
Title Company	CITYWIDE TITLE CORPORATION, CITYWIDE TITLE CORP

Transaction

Amount	Amount Recorded
Tax	$450.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	82 HIGHGATE CRSE ST CHARLES IL 601741426, ST CHARLES, IL 60174-1426

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 19, 2017
Property Address	82 HIGHGATE CRSE, ST CHARLES, IL 60174-1426
Document Number	0000003534
Instrument Date	Dec 30, 2016
Instrument	2017K003534
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CHICAGO TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$390.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	82 HIGHGATC COURSE ST, SAINT CHARLES, IL 60174

Mortgage

Document Number	0000003535
Date	Jan 19, 2017
Instrument	2017K003535

Lender

Name	BMO HARRIS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2047

Interest

Rate	3.5%

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	$13,179.00 (+23.93%) Homeowner's exemption	$195,919 (+18.29%) Land $60,624 Building $135,295	$587,992 (+18.29%) Land $181,945 Building $406,047
2024		$165,625 (+20.27%) Land $40,964 Building $124,661	$497,074 (+20.32%) Land $122,941 Building $374,133
2022	$10,634.00 (+4.09%) Homeowner's exemption	$137,713 (+4.91%) Land $39,770 Building $97,943	$413,139 (+4.91%) Land $119,310 Building $293,829
2021	$10,216.00 Homeowner's exemption	$131,268 Land $37,909 Building $93,359	$393,804 Land $113,727 Building $280,077

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 93% of the US · above 42% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 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

Cell Coverage

5G (outdoors only) and 4G LTE

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