Kane County property record for 1019 S 3rd St, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,358 sqft · built 1900 |
| Lot Size | 0.163 acres (7,100 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $178,000 (Jan 2001) |
| Tax Bill | $7,152 (2025) |
| Deeds & Mortgages | Mar 2023 Line of Credit Jun 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-34-330-014 |
| Primary APN | 09-34-330-014 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,358 sqft Living Area |
| Basement Area | 792 sqft |
| Interior Walls | Plaster |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1969 |
| Architectural Style | Traditional |
| Exterior Material | Combination |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,100 sqft (0.163 acres) |
| Garage Type | Detached |
| Garage Area | 483 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 1019 S 3RD ST |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-4005 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 5 IN BLOCK 6 OF WILLIAM H WILCOXS ADDITION TO ST CHARLES, KANE COUNTY IN THE CITY OF ST CHARLES, KANE COUNTY, ILLINOIS |
| Legal Subdivision | WILLIAM H WILCOXS ADDN |
| Legal Block | 6 |
| Legal Lot Number | 5 |
| 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 23, 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 | 1019 S 3RD ST, SAINT CHARLES, IL 60174-4005 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 1, 2023 | Deed of Trust, Mortgage · Line of Credit FIRST AMERICAN BANK |
| Jun 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BLUELEAF LENDING LLC |
| May 12, 2020 | Deed of Trust, Mortgage · Line of Credit OLD SECOND NATIONAL BANK OF AURORA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 16, 2001 · Amount on Record |
| Deed Sale | Jan 16, 2001 · Amount on Record |
| Prior Sale | Dec 29, 1998 · Amount on Record |
| Deed Document Number | 20014563 |
| Last Transfer Date | Dec 6, 2001 |
| Transfer Doc | 0000133943 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 1019 S 3RD ST, ST CHARLES, IL 60174-4005 |
| Transaction Type | Mortgage |
| Record Updated | Mar 8, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000006262 |
|---|---|
| Date | Mar 1, 2023 |
| Instrument | 2023K006262 |
| Name | FIRST AMERICAN BANK |
|---|---|
| Type | Bank |
| Address | HAMPSHIRE, IL 60140 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 0 Months |
| Due | Mar 1, 2023 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Min Rate At Change | 4.25% |
| Max Rate | 18% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 1019 S 3RD ST, ST CHARLES, IL 60174-4005 |
| Transaction Type | Mortgage |
| Record Updated | Jul 9, 2021 |
| Title Company | CARRINGTON TITLE PARTNERS LLC, CARRINGTON TTL PARTNERS LLC |
| Name | Verified Name |
|---|
| Document Number | 0000047823 |
|---|---|
| Date | Jun 22, 2021 |
| Instrument | 2021K047823 |
| Name | BLUELEAF LENDING LLC |
|---|---|
| Type | Lending Institution |
| Address | CHICAGO, IL 60607 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 1019 S 3RD ST, ST CHARLES, IL 60174-4005 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000024064 |
|---|---|
| Date | May 12, 2020 |
| Instrument | 2020K024064 |
| Name | OLD SECOND NATIONAL BANK OF AURORA |
|---|---|
| Type | Bank |
| Address | AURORA, IL 60506 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 25, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $7,152.00 (+10.83%) Homeowner's exemption | $124,078 (+8.53%) Land $35,162 Building $88,916 | $372,383 (+8.53%) Land $105,528 Building $266,855 |
| 2024 | $114,326 (+17.2%) Land $32,398 Building $81,928 | $343,115 (+17.24%) Land $97,233 Building $245,882 | |
| 2022 | $6,453.00 (+4.23%) Homeowner's exemption | $97,551 (+19.1%) Land $28,406 Building $69,145 | $292,653 (+19.1%) Land $85,218 Building $207,435 |
| 2021 | $6,191.00 Homeowner's exemption | $81,910 Land $27,077 Building $54,833 | $245,730 Land $81,231 Building $164,499 |
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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