1017 Howard St, Saint Charles, IL 60174 Property Records

Kane County property record for 1017 Howard St, Saint Charles, IL 60174

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,229 sqft · built 2001
Lot Size	0.195 acres (8,505 sqft)
Owner	Individual Name on Record
Last Sale	$269,500 (Apr 2001)
Tax Bill	$10,062 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Nov 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-33-258-016`

Property Details

APN / Parcel Number

Primary APN	`09-33-258-016`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,229 sqft Living Area
Basement Area	890 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

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	527 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	1017 HOWARD ST
City	SAINT CHARLES
State	IL
Zip	60174-2653
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE WEST HALF OF LOT 2, GRUNWALD DIVISION.
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

Owner

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	Individual Name on Record
Mailing Address	1017 HOWARD ST, SAINT CHARLES, IL 60174-2653
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage THE FEDERAL SAVINGS BANK
Nov 28, 2017	Deed of Trust, Mortgage · ARM THE FEDERAL SAVINGS BANK
Dec 12, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 5, 2001 · Amount on Record
Deed Sale	Apr 5, 2001 · Amount on Record
Deed Document Number	200130197
Last Transfer Date	Nov 20, 2017
Transfer Doc	0000064425
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1017 HOWARD ST, ST CHARLES, IL 60174-2653
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016857
Date	Apr 6, 2020
Instrument	2020K016857

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60607

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.25%

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1017 HOWARD ST, ST CHARLES, IL 60174-2653
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000061886
Date	Nov 28, 2017
Instrument	2017K061886

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60607

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Dec 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9%
Index	1-Year LIBOR
Max Rate	9%

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Dec 12, 2017
Property Address	1017 HOWARD ST, ST CHARLES, IL 60174-2653
Document Number	0000064425
Instrument Date	Nov 20, 2017
Instrument	64425
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1017 HOWARD ST ST CHARLES IL 601742653, ST CHARLES, IL 60174-2653

Tax Assessment & Valuation

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,062.00 (+7.66%) Homeowner's exemption Senior Citizen's exemption	$159,468 (+8.53%) Land $32,333 Building $127,135	$478,595 (+8.53%) Land $97,038 Building $381,558
2024		$146,935 (+15.92%) Land $29,792 Building $117,143	$440,981 (+15.97%) Land $89,412 Building $351,570
2022	$9,346.00 (-0.19%) Homeowner's exemption	$126,753 (+4.91%) Land $29,514 Building $97,239	$380,259 (+4.91%) Land $88,542 Building $291,717
2021	$9,364.00 Homeowner's exemption	$120,821 Land $28,133 Building $92,688	$362,463 Land $84,399 Building $278,064

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.

Flood

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.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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