Kane County property record for 1015 S 3rd St, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,708 sqft · built 1904 |
| Lot Size | 0.163 acres (7,100 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $250,000 (Nov 2017) |
| Tax Bill | $9,650 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Nov 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-34-330-013 |
| Primary APN | 09-34-330-013 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,708 sqft Living Area |
| Basement Area | 633 sqft |
| Interior Walls | Plaster |
| Year Built | Built 1904 |
|---|---|
| Effective Year Built | Effective 1979 |
| Architectural Style | Traditional |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,100 sqft (0.163 acres) |
| Lot Dimensions | 141 ft deep x 49 ft wide |
| Garage Type | Detached |
| Garage Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 1015 S 3RD ST |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-4005 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WILCOX, W.H., ADD. - LOT 4 BLK 6 |
| Legal Subdivision | WILCOX W H ADD |
| Legal Block | 6 |
| Legal Lot Number | 4 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 852201 |
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 | 1015 S 3RD ST, SAINT CHARLES, IL 60174-4005 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC |
| Nov 7, 2017 | Warranty Deed, Transfer · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 7, 2017 · Amount on Record |
| Deed Sale | Nov 7, 2017 · Amount on Record |
| Prior Sale | Aug 22, 2013 · Amount on Record |
| Deed Document Number | 201758472 |
| Prior Transfer Date | Dec 9, 2011 |
| Prior Transfer Doc | 0000076768 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 1015 S 3RD ST, ST CHARLES, IL 60174-4005 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|
| Document Number | 0000044161 |
|---|---|
| Date | Jun 9, 2021 |
| Instrument | 2021K044161 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Nov 7, 2017 |
| Property Address | 1015 S 3RD ST, ST CHARLES, IL 60174-4005 |
| Document Number | 0000058472 |
| Instrument Date | Oct 16, 2017 |
| Instrument | 2017K058472 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $250.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 803 N 13TH ST, DEKALB, IL 60115-3560 |
| Document Number | 0000058473 |
|---|---|
| Date | Nov 7, 2017 |
| Instrument | 2017K058473 |
| Name | DRAPER & KRAMER MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2047 |
Source: Kane County assessment roll, as of August 25, 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 | $9,650.00 (+11%) Homeowner's exemption | ||
| 2024 | $134,153 (+18.01%) Land $32,398 Building $101,755 | $402,620 (+18.05%) Land $97,233 Building $305,387 | |
| 2022 | $8,694.00 (+4.14%) Homeowner's exemption | $113,684 (+4.91%) Land $28,406 Building $85,278 | $341,052 (+4.91%) Land $85,218 Building $255,834 |
| 2021 | $8,348.00 Homeowner's exemption | $108,364 Land $27,077 Building $81,287 | $325,092 Land $81,231 Building $243,861 |
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 | 1 in force |
| Nearby Flood Claims | 2 (2007–2017) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | May 2017 · rainfall accumulation |
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 494 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 · Fixed Wireless in parts of the area | 100 / 20 |
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