Kane County property record for 902 Derby Course, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,361 sqft · built 1987 |
| Lot Size | 0.107 acres (4,675 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $310,000 (Apr 2026) |
| Tax Bill | $6,216 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage May 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-26-251-040 |
| Primary APN | 09-26-251-040 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,361 sqft Living Area |
| Basement Area | 350 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 4,675 sqft (0.107 acres) |
| Garage Type | Attached |
| Garage Area | 390 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 902 DERBY CRSE |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-5708 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 3 EX S131.07 ELDS COMMONS |
| Legal Subdivision | HUNTERS FIELDS COMM |
| Legal Block | 2 |
| Legal Lot Number | 3 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 852005 |
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 | 2870 CRESCENT OAK LN, 14, AURORA, IL 60502-4539 |
| Owner Type | Individual |
| Vesting | Unmarried Man |
| Date | Document |
|---|---|
| Apr 6, 2026 | Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING |
| May 10, 2019 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK WESTERN MICHIGAN |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 6, 2026 · Amount on Record |
| Deed Sale | Apr 6, 2026 · Amount on Record |
| Prior Sale | Jun 9, 2011 · Amount on Record |
| Deed Document Number | 202613383 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Apr 6, 2026 |
| Property Address | 902 DERBY CRSE, SAINT CHARLES, IL 60174-5708 |
| Document Number | 0000013383 |
| Instrument Date | Mar 25, 2026 |
| Instrument | 202613383 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLUTI |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $46,965.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000013384, |
|---|---|
| Date | Apr 6, 2026 |
| Instrument | 202613384 |
| Name | NEW AMERICAN FUNDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.38% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 902 DERBY CRSE, ST CHARLES, IL 60174-5708 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN |
| Name | Verified Name |
|---|
| Document Number | 0000018820 |
|---|---|
| Date | May 10, 2019 |
| Instrument | 2019K018820 |
| Name | FIFTH THIRD BANK WESTERN MICHIGAN |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Apr 25, 2049 |
Source: Kane County assessment roll, as of July 23, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,216.00 (-5.04%) Homeowner's exemption | $96,638 (+0.46%) Land $22,229 Building $74,409 | $290,030 (+0.46%) Land $66,714 Building $223,316 |
| 2024 | $6,546.00 (+18.65%) | $96,194 (+29.4%) Land $20,482 Building $75,712 | $288,697 (+29.45%) Land $61,471 Building $227,227 |
| 2022 | $5,517.00 (+4.29%) Homeowner's exemption | $74,341 (+4.91%) Land $18,446 Building $55,895 | $223,023 (+4.91%) Land $55,338 Building $167,685 |
| 2021 | $5,290.00 Homeowner's exemption | $70,862 Land $17,583 Building $53,279 | $212,586 Land $52,749 Building $159,837 |
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.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 152 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 |
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