1104 Gray St, Saint Charles, IL 60174 Property Records

Kane County property record for 1104 Gray St, Saint Charles, IL 60174

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,522 sqft · built 1974
Lot Size	0.227 acres (9,875 sqft)
Owner	Individual Name on File
Last Sale	$295,000 (Jan 2019)
Tax Bill	$9,326 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-33-452-021`

Property Details

APN / Parcel Number

Primary APN	`09-33-452-021`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,522 sqft Living Area
1st Floor Area	1,522 sqft
Basement Area	1,316 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Split Level
Exterior Material	Combination
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,875 sqft (0.227 acres)
Garage Type	Attached
Garage Area	440 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
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1104 GRAY ST
City	SAINT CHARLES
State	IL
Zip	60174-3844
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAP AREA: 022-SW PRAIRE&7-14TH
Legal Subdivision	WESTFIELD PARK
Legal Block	1
Legal Lot Number	63
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	1
Census Block	1015
Census Tract	852201

Owner

1104 Gray St is owned and occupied by an individual who bought it in January 2019.

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

Owner of Record	Individual Name on File
Mailing Address	1104 GRAY ST, SAINT CHARLES, IL 60174-3844
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 5, 2020	Deed of Trust, Mortgage · Conventional with PMI GUARANTEED RATE
Jan 2, 2019	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 2, 2019 · Amount on File
Deed Sale	Jan 2, 2019 · Amount on File
Prior Sale	Apr 28, 2015 · Amount on File
Deed Document Number	2019178
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1104 GRAY ST, ST CHARLES, IL 60174-3844
Document Number	0000012614
Instrument Date	Mar 5, 2020
Transaction Type	Mortgage
Record Updated	Jun 24, 2020
Title Company	RAVENSWOOD TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1104 GRAY ST ST CHARLES IL 601743844, ST CHARLES, IL 60174-3844

Mortgage

Document Number	0000012614
Date	Mar 10, 2020
Instrument	12614

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 9, 2050

Interest

Rate Type	Fixed Rate
Rate	3.37%

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 2, 2019
Property Address	1104 GRAY ST, ST CHARLES, IL 60174-3844
Document Number	0000000178
Instrument Date	Dec 17, 2018
Instrument	2019K000178
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	$295.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1104 GRAY ST, 1104, SAINT CHARLES, IL 60174-3844

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	206 LONGVIEW DR, ELGIN, IL 60124-0214

Mortgage

Document Number	0000000179
Date	Jan 2, 2019
Instrument	2019K000179

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2049

Interest

Rate	4.99%

Tax Assessment & Valuation

The 2025 property tax bill for 1104 Gray St was $9,326 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	$9,326.00 Homeowner's exemption	$140,983 (+8.53%) Land $38,396 Building $102,587	$423,118 (+8.53%) Land $115,234 Building $307,884
2024		$129,902 Land $35,378 Building $94,524	$389,862 Land $106,176 Building $283,685
2022	$8,134.00 (+4.16%) Homeowner's exemption	$106,751 (+4.91%) Land $32,095 Building $74,656	$320,253 (+4.91%) Land $96,285 Building $223,968
2021	$7,809.00 Homeowner's exemption	$101,755 Land $30,593 Building $71,162	$305,265 Land $91,779 Building $213,486

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 1104 Gray St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026

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

Wildfire risk around 1104 Gray St 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 97% of the US · lower than 79% 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 284 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
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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