Kane County property record for 109 W Main St, Saint Charles, IL 60174
| Property Type | Commercial |
|---|---|
| Details | 1,150 sqft · built 1994 |
| Lot Size | 0.54 acres (2,332 sqft) |
| Owner | Company Name on Record |
| Last Sale | $530,000 (Feb 2010) |
| Tax Bill | $15,782 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-27-377-006 |
| Primary APN | 09-27-377-006 |
|---|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,150 sqft Gross Area |
| Basement Area | 1,150 sqft |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Lot Area | 2,332 sqft (0.54 acres) |
| Street Address | 109 W MAIN ST |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-1809 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | ELY 22 FT OF WLY 44 FT LOT 3 BLK 39 (EX SLY 28 FT) - ORIGINAL TOWN ST CHARLES |
| Legal Subdivision | VILLAGE OF STC |
| Legal Block | 39 |
| Legal Lot Number | 3 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 852300 |
Source: Kane County records, as of August 11, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 123 W FRONT ST, 200, WHEATON, IL 60187-5105 |
| Owner Type | Company |
| Vesting | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 19, 2010 · Amount on Record |
| Deed Sale | Feb 19, 2010 · Amount on Record |
| Prior Sale | Dec 10, 2002 · Amount on Record |
| Deed Document Number | 201012142 |
| Record Updated | Sep 20, 2026 |
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 | $15,782.00 (+7.57%) | $193,395 (+19.36%) Land $44,216 Building $149,179 | $580,417 (+19.36%) Land $132,701 Building $447,716 |
| 2024 | $162,033 (+3.4%) Land $40,741 Building $121,292 | $486,294 (+3.44%) Land $122,272 Building $364,022 | |
| 2022 | $14,671.00 (+3.87%) | $156,706 (+4.91%) Land $36,326 Building $120,380 | $470,118 (+4.91%) Land $108,978 Building $361,140 |
| 2021 | $14,124.00 | $149,372 Land $34,626 Building $114,746 | $448,116 Land $103,878 Building $344,238 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 10 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 10 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.
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 341 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 Fixed Wireless · Fiber, DSL in parts of the area | 100 / 20 |
May also be available: Frontier.
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