104 E Charles St, Plano, IL 60545 Property Records

Kendall County property record for 104 E Charles St, Plano, IL 60545

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,948 sqft · built 1900
Lot Size	0.168 acres (7,297 sqft)
Owner	2 Individual Names on Record
Last Sale	$200,000 (Oct 2021)
Tax Bill	$6,368 (2024)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Nov 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-27-213-001`

Property Details

APN / Parcel Number

Primary APN	`01-27-213-001`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,948 sqft Living Area
Gross Area	3,816 sqft
1st Floor Area	1,948 sqft
Basement Area	1,056 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Bi-Level
Exterior Material	Brick Veneer
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	7,297 sqft (0.168 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	812 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	104 E CHARLES ST
City	PLANO
State	IL
Zip	60545-2016
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 4 BLK 78 HENNINGS SECOND ADDITION CITY OF PLANO
Legal Subdivision	HENNINGS SECOND ADDITION
Legal Block	78
Legal Lot Number	4
Jurisdiction	KENDALL IL
Township / Civil Division	LITTLE ROCK
Census Block Group	2
Census Block	2044
Census Tract	890501

Owner

Source: Kendall County records, as of May 27, 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	104 E CHARLES ST, PLANO, IL 60545-2016
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2021	Warranty Deed, Transfer · Conventional Mortgage EARTHMOVER CU
Nov 27, 2018	Deed of Trust, Mortgage · Commercial Mortgage STATE FARM BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 21, 2021 · Amount on Record
Deed Sale	Oct 21, 2021 · Amount on Record
Prior Sale	Apr 7, 2016 · Amount on Record
Deed Document Number	202127514
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENDALL IL
Recording Date	Oct 21, 2021
Property Address	104 E CHARLES ST, PLANO, IL 60545-2016
Document Number	0000027514
Instrument Date	Oct 14, 2021
Instrument	202100027514
Transaction Type	Transfer
Record Updated	Oct 29, 2021
Title Company	BAIRD AND WARNER TITLE SERVICES INC, BAIRD & WARNER TTL SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$200.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	104 E CHARLES ST, PLANO, IL 60545-2016

Mortgage

Document Number	0000027515
Date	Oct 21, 2021
Instrument	202100027515

Lender

Name	EARTHMOVER CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

Interest

Rate Type	Fixed Rate

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENDALL IL
Property Address	104 E CHARLES ST, PLANO, IL 60545-2016
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016761
Date	Nov 27, 2018
Instrument	201800016761

Lender

Name	STATE FARM BANK FSB
Type	Bank
Address	BLOOMINGTON, IL 61710

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Nov 19, 2023

Interest

Rate	6.24%

Tax Assessment & Valuation

Source: Kendall County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Kendall County
County Subdivision	Little Rock Township
Municipality	Plano City
Unified School District	Plano Community Unit School District 88 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$91,167 (+34.7%) Land $10,250 Building $80,917	$273,501 (+34.7%) Land $30,750 Building $242,751
2024	$6,368.00
2022		$67,684 Land $7,610 Building $60,074	$203,052 Land $22,830 Building $180,222

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 September 18, 2025

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	PLANO serves 12,600 people · EPA ID IL0930200
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	12 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 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 431 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon, Watch TV.

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