Kane County property record for 1015 Howard St, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,224 sqft · built 2001 |
| Lot Size | 0.195 acres (8,505 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $269,000 (Apr 2001) |
| Tax Bill | $11,868 (2025) |
| Deeds & Mortgages | Apr 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-33-258-017 |
| Primary APN | 09-33-258-017 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 2,224 sqft Living Area |
| Basement Area | 889 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,505 sqft (0.195 acres) |
| Garage Type | Attached |
| Garage Area | 526 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 1015 HOWARD ST |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-2653 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THE EAST HALF OF LOT 2 |
| Legal Subdivision | GRUNWALD DIVISION |
| Legal Block | 4 |
| Legal Lot Number | 2 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 4 |
| Census Block | 4020 |
| Census Tract | 852201 |
1015 Howard St is owned and occupied by two individuals who bought it in April 2001.
Source: Kane County records, as of July 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1015 HOWARD ST, SAINT CHARLES, IL 60174-2653 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 2, 2001 · Amount on File |
| Deed Sale | Apr 2, 2001 · Amount on File |
| Deed Document Number | 200128591 |
| Prior Transfer Date | Mar 30, 2001 |
| Prior Transfer Doc | 0000036900 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 1015 HOWARD ST, SAINT CHARLES, IL 60174-2653 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000014564 |
|---|---|
| Date | Apr 2, 2018 |
| Instrument | 2018K014564 |
| Name | BMO HARRIS BANK NA |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, IL 60174 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Mar 28, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 1015 Howard St was $11,868 with a homeowner's exemption.
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 | $11,868.00 Homeowner's exemption | $177,223 (+8.53%) Land $32,333 Building $144,890 | $531,882 (+8.53%) Land $97,038 Building $434,844 |
| 2024 | $163,294 Land $29,792 Building $133,502 | $490,078 Land $89,412 Building $400,666 | |
| 2022 | $10,847.00 (+4.09%) Homeowner's exemption | $140,345 (+4.91%) Land $29,514 Building $110,831 | $421,035 (+4.91%) Land $88,542 Building $332,493 |
| 2021 | $10,421.00 Homeowner's exemption | $133,777 Land $28,133 Building $105,644 | $401,331 Land $84,399 Building $316,932 |
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.
FEMA maps place 1015 Howard St in Zone X, an area of minimal flood risk.
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.
The area around 1015 Howard St has no burnable land within ember reach, so its wildfire risk is not rated.
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 405 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T.
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