Kane County property record for 940 Reserve Dr, Saint Charles, IL 60175
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.471 acres (20,530 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $681,500 (Oct 2022) |
| Tax Bill | $18,242 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage May 2022 Construction Loan + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-09-453-020 |
| Primary APN | 09-09-453-020 |
|---|
| Lot Area | 20,530 sqft (0.471 acres) |
|---|
| Street Address | 940 RESERVE DR |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60175-5812 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THE RESERVE OF ST CHARLES LT 108 |
| Legal Subdivision | THE RESERVE OF ST CHARLES |
| Legal Block | 2 |
| Legal Lot Number | 108 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 852103 |
Source: Kane County records, as of July 21, 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 | 940 RESERVE DR, SAINT CHARLES, IL 60175-5812 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Aug 13, 2021 | Deed of Trust, Mortgage · Commercial Mortgage MORTON COMMUNITY BANK |
| May 3, 2022 | Deed of Trust, Mortgage · Construction Mortgage MORTON COMMUNITY BANK |
| Oct 31, 2022 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Mar 29, 2022 | Special Warranty Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 31, 2022 · Amount on Record |
| Deed Sale | Oct 31, 2022 · Amount on Record |
| Prior Sale | Mar 29, 2022 · Amount on Record |
| Deed Document Number | 202252940 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 940 RESERVE DR, ST CHARLES, IL 60175-5812 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000062166 |
|---|---|
| Date | Aug 13, 2021 |
| Instrument | 2021K062166 |
| Name | MORTON COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | MORTON, IL 61550 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 940 RESERVE DR, ST CHARLES, IL 60175-5812 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000023966 |
|---|---|
| Date | May 3, 2022 |
| Instrument | 2022K023966 |
| Name | MORTON COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | MORTON, IL 61550 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Oct 31, 2022 |
| Property Address | 940 RESERVE DR, ST CHARLES, IL 60175-5812 |
| Document Number | 0000052940 |
| Map Reference | DOC 2006K58157 |
| Instrument Date | Oct 21, 2022 |
| Instrument | 2022K052940 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 29, 2023 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $681.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 940 RESERVE DR, SAINT CHARLES, IL 60175-5812 |
| Document Number | 0000052941 |
|---|---|
| Date | Oct 31, 2022 |
| Instrument | 2022K052941 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.12% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Mar 29, 2022 |
| Property Address | 940 RESERVE DR, ST CHARLES, IL 60175-5812 |
| Document Number | 0000017256 |
| Map Reference | DOC 2006K0115402 |
| Instrument Date | Mar 18, 2022 |
| Instrument | 2022K017256 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2023 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $310.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2610 LAKE COOK RD STE 100, 100, RIVERWOODS, IL 60015-5710 |
Source: Kane County assessment roll, as of December 26, 2025
| 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 | $18,242.00 (+1,036.57%) Homeowner's exemption | ||
| 2024 | $249,257 (+1,153.49%) Land $55,859 Building $193,398 | $748,070 (+1,153.99%) Land $167,644 Building $580,426 | |
| 2022 | $1,605.00 (+3.88%) | $19,885 (+4.91%) Land $19,885 | $59,655 (+4.91%) Land $59,655 |
| 2021 | $1,545.00 | $18,954 Land $18,954 | $56,862 Land $56,862 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective October 8, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 94% 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.
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 147 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 |
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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