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102 E Main St, Saint Charles, IL 60174 Property Records

Kane County property record for 102 E Main St, Saint Charles, IL 60174 · Last verified July 2026

Property Summary

Property TypeCommercial
Details2,300 sqft · built 1920
Lot Size0.53 acres (2,300 sqft)
Owner2 Company Names on File
Last Sale$430,000 (Feb 2014)
Tax Bill$14,055 (2025)
Deeds & MortgagesFeb 2019 Loan Modification
Flood ZoneZone X (minimal risk)
APN09-27-386-003

Property Details

APN / Parcel Number

Primary APN09-27-386-003

Interior

Stories2 Stories
Building Area2,300 sqft Gross Area
Basement Area2,300 sqft

Exterior

Year BuiltBuilt 1920
Effective Year BuiltEffective 1980
Lot Area2,300 sqft (0.53 acres)

Location & Zoning

Street Address102 E MAIN ST
CitySAINT CHARLES
StateIL
Zip60174-1928
Property CategoryCommercial
Property TypeCommercial > Retail
Legal Description1 5 W25 S92
Legal SubdivisionSTC-ORIGINAL TOWN
Legal Block1
Legal Lot Number5
JurisdictionKANE IL
Township / Civil DivisionST. CHARLES
Census Block Group1
Census Block1010
Census Tract852300

Owner

Source: Kane County records · APN 09-27-386-003

Assessment roll updated August 25, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Company Names on File
Mailing Address102 E MAIN ST, SAINT CHARLES, IL 60174-1928
Owner TypeCompany
VestingCompany

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 14, 2014 · Amount on Record
Deed SaleFeb 14, 2014 · Amount on Record
Prior SaleMay 16, 2013
Deed Document Number20147735
Record UpdatedSep 20, 2026

February 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionKANE IL
Property Address102 E MAIN ST, ST CHARLES, IL 60174-1928
Document Number0000005095
Instrument DateFeb 01, 2019
Transaction TypeMortgage
Record UpdatedFeb 14, 2019

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address24146 PRIMROSE CIR PLAINFIELD IL 605858721, PLAINFIELD, IL 60585-8721

Mortgage

Document Number0000005095
DateFeb 07, 2019
Instrument5095
Lender
NameFIRST NATIONS BK
TypeBank
AddressCHICAGO, IL 60631-1509
Agreement
Term60 Months
DueFeb 06, 2024
Interest
Rate TypeFixed Rate
Rate5.25%

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionSt. Charles Township
MunicipalitySt. Charles City
Unified School DistrictSt. Charles Community Unit School District 303 (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$14,055.00 (-3%)
2024$158,702 (+2.53%) Land $25,696 Building $133,006$476,297 (+2.58%) Land $77,119 Building $399,178
2022$14,490.00 (+3.87%)$154,780 (+4.91%) Land $22,909 Building $131,871$464,340 (+4.91%) Land $68,727 Building $395,613
2021$13,950.00$147,536 Land $21,837 Building $125,699$442,608 Land $65,511 Building $377,097

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170898523001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies7 in force
Nearby Flood Claims29 (1979–2020)
Claims Outside the SFHA5 of 29
Most Recent ClaimMay 2020, rainfall accumulation
Claims By Storm
  • Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 2 claims
  • Severe Storms And Flooding, Sep 2008 · 7 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 341 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Metronet HoldingsFiber5,120 / 5,120
XfinityCable2,000 / 250
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20
AT&TFixed Wireless100 / 20

May also be available at this address: AT&T, Frontier. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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