Kane County property record for 1105 S 5th St, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,991 sqft · built 1928 |
| Lot Size | 0.303 acres (13,200 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $335,000 (Jul 2017) |
| Tax Bill | $10,076 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Nov 2023 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-34-310-009 |
| Primary APN | 09-34-310-009 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,991 sqft Living Area |
| Basement Area | 945 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1928 |
|---|---|
| Effective Year Built | Effective 1979 |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,200 sqft (0.303 acres) |
| Garage Type | Detached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 1105 S 5TH ST |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-4024 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MAP AREA: 020-SW SIDE-RIV |
| Legal Subdivision | COUNTY CLERK ASSMT |
| Legal Block | 2 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 852201 |
1105 S 5th St is owned and occupied by two individuals who bought it in July 2017.
Source: Kane County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1105 S 5TH ST, SAINT CHARLES, IL 60174-4024 |
| 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.
| Date | Document |
|---|---|
| Jul 6, 2026 | Deed of Trust, Mortgage · Line of Credit STATE BANK AND TRUST COMPANY |
| Nov 13, 2023 | Deed of Trust, Mortgage · Line of Credit ST CHARLES BANK & TRUST CO NA |
| Jun 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC |
| Aug 14, 2017 | Deed of Trust, Mortgage · Commercial Mortgage PNC BANK NA |
| Mar 27, 2019 | Deed of Trust, Mortgage · Commercial Mortgage STC CAPITAL BANK |
| Jul 3, 2017 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 3, 2017 · Amount on File |
| Deed Sale | Jul 3, 2017 · Amount on File |
| Deed Document Number | 201734096 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jul 6, 2026 |
| Property Address | 1105 S 5TH ST, SAINT CHARLES, IL 60174-4024 |
| Document Number | 0000028045 |
| Instrument Date | Jun 11, 2026 |
| Instrument | 202628045 |
| Transaction Type | Mortgage |
| Record Updated | Jul 14, 2026 |
| Title Company | ICE MORTGAGE TECHNOLOGY INC |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety, 298 |
| Address | 1105 S 5TH ST, SAINT CHARLES, IL 60174-4024 |
| Document Number | 0000028045, |
|---|---|
| Date | Jul 6, 2026 |
| Instrument | 202628045 |
| Name | STATE BANK AND TRUST COMPANY |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.36% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 1105 S 5TH ST, SAINT CHARLES, IL 60174-4024 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000039606 |
|---|---|
| Date | Nov 13, 2023 |
| Instrument | 2023K039606 |
| Name | ST CHARLES BANK & TRUST CO NA |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, IL 60174 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 1105 S 5TH ST, SAINT CHARLES, IL 60174-4024 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000048933 |
|---|---|
| Date | Jun 25, 2021 |
| Instrument | 2021K048933 |
| Name | NEWREZ LLC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WASHINGTON, PA 19034 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Rate | 3.37% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 1105 S 5TH ST, SAINT CHARLES, IL 60174-4024 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000042179 |
|---|---|
| Date | Aug 14, 2017 |
| Instrument | 2017K042179 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Aug 4, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 1105 S 5TH ST, SAINT CHARLES, IL 60174-4024 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000011774 |
|---|---|
| Date | Mar 27, 2019 |
| Instrument | 2019K011774 |
| Name | STC CAPITAL BANK |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, IL 60174 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jul 3, 2017 |
| Property Address | 1105 S 5TH ST, SAINT CHARLES, IL 60174-4024 |
| Document Number | 0000034096 |
| Instrument Date | Jun 2, 2017 |
| Instrument | 34096 |
| Transaction Type | Transfer |
| Record Updated | Jul 24, 2017 |
| Title Company | CITYWIDE TITLE CORPORATION, CITYWIDE TITLE CORP |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $502.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 40W218 EASTWOOD CT GENEVA IL 601345417, GENEVA, IL 60134-5417 |
| Document Number | 34097 |
|---|---|
| Date | Jul 3, 2017 |
| Instrument | 34097 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jul 2, 2037 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.25% |
The 2025 property tax bill for 1105 S 5th St was $10,076 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 | $10,076.00 Homeowner's exemption | $151,676 (+8.53%) Land $44,458 Building $107,218 | $455,210 (+8.53%) Land $133,427 Building $321,783 |
| 2024 | $139,755 Land $40,964 Building $98,791 | $419,433 Land $122,941 Building $296,492 | |
| 2022 | $9,186.00 (+4.13%) Homeowner's exemption | $119,778 (+4.91%) Land $36,893 Building $82,885 | $359,334 (+4.91%) Land $110,679 Building $248,655 |
| 2021 | $8,822.00 Homeowner's exemption | $114,172 Land $35,166 Building $79,006 | $342,516 Land $105,498 Building $237,018 |
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.
FEMA maps place 1105 S 5th 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 1105 S 5th 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 441 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 · DSL · Fiber in parts of the area | 100 / 20 |
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