1040 N 3rd Ave, Saint Charles, IL 60174 Property Records

Kane County property record for 1040 N 3rd Ave, Saint Charles, IL 60174

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,660 sqft · built 1957
Lot Size	0.413 acres (18,000 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (May 2020)
Tax Bill	$8,670 (2025)
Deeds & Mortgages	May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-27-129-003`

Property Details

APN / Parcel Number

Primary APN	`09-27-129-003`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,660 sqft Living Area
1st Floor Area	1,660 sqft
Basement Area	800 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1974
Architectural Style	Split Level
Exterior Material	Combination
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Wood
Lot Area	18,000 sqft (0.413 acres)
Garage Type	Attached
Garage Area	545 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	1040 N 3RD AVE
City	SAINT CHARLES
State	IL
Zip	60174-1220
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAP AREA: 066-NE JOHNOR
Legal Subdivision	DELNOR PARK ADDITION
Legal Block	1
Legal Lot Number	F
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	1
Census Block	1015
Census Tract	852005

Owner

1040 N 3rd Ave is owned and occupied by two individuals who bought it in May 2020.

Source: Kane County records, as of July 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1040 N 3RD AVE, SAINT CHARLES, IL 60174-1220
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2020 · Amount on File
Deed Sale	May 26, 2020 · Amount on File
Deed Document Number	202026791
Record Updated	Oct 29, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 26, 2020
Property Address	1040 N 3RD AVE, ST CHARLES, IL 60174-1220
Document Number	0000026791
Instrument Date	May 21, 2020
Instrument	2020K026791
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1040 N 3RD AVE, SAINT CHARLES, IL 60174-1220

Mortgage

Document Number	0000026792
Date	May 26, 2020
Instrument	2020K026792

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1040 N 3rd Ave was $8,670 with a homeowner's exemption.

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	$8,670.00 Homeowner's exemption	$131,633 (+8.53%) Land $36,375 Building $95,258	$395,057 (+8.53%) Land $109,169 Building $285,888
2024		$121,287 Land $33,516 Building $87,771	$364,007 Land $100,588 Building $263,418
2022	$8,799.00 (+4.14%) Homeowner's exemption	$114,986 (+4.91%) Land $33,203 Building $81,783	$344,958 (+4.91%) Land $99,609 Building $245,349
2021	$8,449.00 Homeowner's exemption	$109,604 Land $31,649 Building $77,955	$328,812 Land $94,947 Building $233,865

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

FEMA maps place 1040 N 3rd Ave in Zone X, an area of minimal flood risk.

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

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.

Wildfire

Wildfire risk around 1040 N 3rd Ave is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 65% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 25 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fixed Wireless in parts of the area	100 / 20