Kane County property record for 1020 S 3rd St, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,183 sqft · built 1885 |
| Lot Size | 0.152 acres (6,600 sqft) |
| Owner | Individual Name on File |
| Last Sale | $340,000 (Mar 2022) |
| Tax Bill | $8,778 (2025) |
| Deeds & Mortgages | Oct 2026 Line of Credit Mar 2022 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-34-331-005 |
| Primary APN | 09-34-331-005 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,183 sqft Living Area |
| Basement Area | 350 sqft |
| Interior Walls | Plaster |
| Year Built | Built 1885 |
|---|---|
| Effective Year Built | Effective 1979 |
| Exterior Material | Frame/Wood |
| Construction Type | Frame |
| Foundation Type | Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,600 sqft (0.152 acres) |
| Garage Type | Detached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 1020 S 3RD ST |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-4006 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MAP AREA: 020-SW SIDE-RIV |
| Legal Subdivision | WILCOX WH |
| Legal Block | 2 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 852201 |
1020 S 3rd St is owned and occupied by an individual who bought it in March 2022.
Source: Kane County records, as of October 16, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1020 S 3RD ST, SAINT CHARLES, IL 60174-4006 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 9, 2026 | Deed of Trust, Mortgage · Line of Credit HOME MORTGAGE CORPORATION |
| Mar 21, 2022 | Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC |
| Oct 28, 2020 | Warranty Deed, Transfer PROPER TITLE LLC |
| Jun 24, 2020 | Warranty Deed, Transfer FIRST AMERICAN TITLE |
| Nov 1, 2017 | Warranty Deed, Transfer · Conventional with PMI CALIBER HM LOANS |
| Jul 21, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 21, 2022 · Amount on File |
| Deed Sale | Mar 21, 2022 · Amount on File |
| Prior Sale | Oct 28, 2020 · Amount on File |
| Deed Document Number | 202215547 |
| Prior Transfer Date | Jul 20, 2017 |
| Prior Transfer Doc | 0000037726 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Oct 9, 2026 |
| Property Address | 1020 S 3RD ST, SAINT CHARLES, IL 60174-4006 |
| Document Number | 0000043661 |
| Instrument Date | Oct 2, 2026 |
| Instrument | 202643661 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1020 S 3RD ST, SAINT CHARLES, IL 60174-4006 |
| Document Number | 0000043661, |
|---|---|
| Date | Oct 9, 2026 |
| Instrument | 202643661 |
| Name | HOME MORTGAGE CORPORATION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Mar 21, 2022 |
| Property Address | 1020 S 3RD ST, ST CHARLES, IL 60174-4006 |
| Document Number | 0000015547 |
| Instrument Date | Mar 18, 2022 |
| Instrument | 2022K015547 |
| Transaction Type | Transfer |
| Record Updated | Mar 28, 2022 |
| Title Company | CHICAGO TITLE INSURANCE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $340.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 253 TRUDY CT, 253, BATAVIA, IL 60510-5500 |
| Name | Verified Name |
|---|---|
| Address | 1020 S 3RD ST, SAINT CHARLES, IL 60174-4006 |
| Document Number | 0000015548 |
|---|---|
| Date | Mar 21, 2022 |
| Instrument | 2022K015548 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Number | 0000015549 |
|---|---|
| Date | Mar 21, 2022 |
| Instrument | 2022K015549 |
| Name | COUNTY OF KANE THROUGHT |
|---|---|
| Type | Government Agency |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Oct 28, 2020 |
| Property Address | 1020 S 3RD ST, ST CHARLES, IL 60174-4006 |
| Document Number | 0000064992 |
| Instrument Date | Sep 30, 2020 |
| Instrument | 64992 |
| Transaction Type | Transfer |
| Record Updated | Dec 1, 2020 |
| Title Company | PROPER TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $220.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 253 TRUDY CT BATAVIA IL 605105500, BATAVIA, IL 60510-5500 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jun 24, 2020 |
| Property Address | 1020 S 3RD ST, ST CHARLES, IL 60174-4006 |
| Document Number | 0000033347 |
| Instrument Date | May 14, 2020 |
| Instrument | 33347 |
| Transaction Type | Transfer |
| Record Updated | Aug 6, 2020 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $239.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 57 WHITE OAK CIR ST CHARLES IL 601744164, ST CHARLES, IL 60174-4164 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Nov 1, 2017 |
| Property Address | 1020 S 3RD ST, ST CHARLES, IL 60174-4006 |
| Document Number | 0000057334 |
| Instrument Date | Oct 30, 2017 |
| Instrument | 57334 |
| Transaction Type | Transfer |
| Record Updated | Nov 28, 2017 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $195.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1020 S 3RD ST ST CHARLES IL 601744006, ST CHARLES, IL 60174-4006 |
| Document Number | 57335 |
|---|---|
| Date | Nov 1, 2017 |
| Instrument | 57335 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 31, 2047 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jul 21, 2017 |
| Property Address | 1020 S 3RD ST, ST CHARLES, IL 60174-4006 |
| Document Number | 0000037726 |
| Instrument Date | Jul 20, 2017 |
| Instrument | 37726 |
| Transaction Type | Transfer |
| Record Updated | Aug 7, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 1079 E WILSON ST #292 BATAVIA IL 605103136, 292, BATAVIA, IL 60510-3136 |
The 2025 property tax bill for 1020 S 3rd St was $8,778 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 | $8,778.00 Homeowner's exemption | $133,173 (+8.53%) Land $35,162 Building $98,011 | $399,679 (+8.53%) Land $105,528 Building $294,151 |
| 2024 | $122,706 Land $32,398 Building $90,308 | $368,265 Land $97,233 Building $271,032 | |
| 2022 | $8,497.00 (+89.12%) | $105,238 (+91.02%) Land $28,406 Building $76,832 | $315,714 (+91.02%) Land $85,218 Building $230,496 |
| 2021 | $4,493.00 | $55,092 Land $27,077 Building $28,015 | $165,276 Land $81,231 Building $84,045 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 1020 S 3rd St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2007.
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.
The area around 1020 S 3rd 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 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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