Kane County property record for 1 E Main St, Saint Charles, IL 60174 · Last verified August 2026
| Property Type | Commercial |
|---|---|
| Owner | 2 Company Names on File |
| Last Sale | $3,845,000 (Sep 2022) |
| Tax Bill | $94,228 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Sep 2022 Re-recorded Document + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 09-27-388-006 |
| Primary APN | 09-27-388-006 |
|---|
| Street Address | 1 E MAIN ST |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-1925 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | BMO HARRIS BANK SUB LT 1 |
| Legal Subdivision | BMO HARRIS BANK SUB |
| Legal Block | 1 |
| Legal Lot Number | 1 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 852300 |
Source: Kane County records · APN 09-27-388-006
Assessment roll updated July 23, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 1 E MAIN ST, SAINT CHARLES, IL 60174-1925 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Dec 21, 2021 | Deed of Trust, Mortgage · Commercial Mortgage STANDARD INSURANCE CO |
| Sep 19, 2022 | Re-recorded Document ATTORNEY ONLY, ATTORNEY |
| Dec 07, 2020 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 19, 2022 · Amount on Record |
| Deed Sale | Sep 19, 2022 · Amount on Record |
| Prior Sale | Dec 07, 2020 · Amount on Record |
| Deed Document Number | 202246667 |
| Prior Transfer Date | Dec 10, 2021 |
| Prior Transfer Doc | 0000046667 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 1 E MAIN ST, SAINT CHARLES, IL 60174-1925 |
| Transaction Type | Mortgage |
| Record Updated | Aug 05, 2022 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Name | Verified Name |
|---|
| Document Number | 0000094276 |
|---|---|
| Date | Dec 21, 2021 |
| Instrument | 2021K094276 |
| Name | STANDARD INSURANCE CO |
|---|---|
| Type | Funding / Finance Company |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Re-recorded Document |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Sep 19, 2022 |
| Property Address | 1 E MAIN ST, SAINT CHARLES, IL 60174-1925 |
| Document Number | 0000046667 |
| Map Reference | DOC 2017K066164 |
| Instrument Date | Dec 15, 2021 |
| Instrument | 2022K046667 |
| Record Updated | Sep 23, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10265 NE TANASBOURNE DR, HILLSBORO, OR 97124-7834 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Dec 07, 2020 |
| Property Address | 1 E MAIN ST, SAINT CHARLES, IL 60174-1925 |
| Document Number | 0000075749 |
| Instrument Date | Dec 04, 2020 |
| Instrument | 75749 |
| Transaction Type | Transfer |
| Record Updated | Dec 15, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,400.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 4N316 IL ROUTE 31 ST CHARLES IL 601745126, ST CHARLES, IL 60174-5126 |
Source: Kane County records · Assessment roll updated July 23, 2026 · Last verified August 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) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $94,228.00 (-0.71%) | $1,154,671 (-1.76%) Land $470,061 Building $684,610 | $3,465,399 (-1.76%) Land $1,410,747 Building $2,054,652 |
| 2024 | $1,175,350 (+15.95%) Land $433,116 Building $742,234 | $3,527,461 (+15.99%) Land $1,299,868 Building $2,227,593 | |
| 2022 | $94,905.00 (+153.96%) | $1,013,703 (+156.49%) Land $386,167 Building $627,536 | $3,041,109 (+156.49%) Land $1,158,501 Building $1,882,608 |
| 2021 | $37,370.00 | $395,215 Land $368,094 Building $27,121 | $1,185,645 Land $1,104,282 Building $81,363 |
Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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