Kane County property record for 1115 Illinois Ave, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,528 sqft · built 1940 |
| Lot Size | 0.151 acres (6,592 sqft) |
| Owner | Individual Name on File |
| Last Sale | $150,000 (Oct 2021) |
| Tax Bill | $8,001 (2025) |
| Deeds & Mortgages | Apr 2022 Mortgage Oct 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-27-487-003 |
| Primary APN | 09-27-487-003 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,528 sqft Living Area |
| Basement Area | 899 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1974 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,592 sqft (0.151 acres) |
| Garage Type | Detached |
| Garage Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 1115 ILLINOIS AVE |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-3133 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MAP AREA: 008-SEOLDTWN STC,AVE |
| Legal Subdivision | WILCOX WH |
| Legal Block | 4 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 4 |
| Census Block | 4016 |
| Census Tract | 852002 |
1115 Illinois Ave is owned by an individual who bought it in October 2021.
Source: Kane County records, as of July 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 345 THORNWOOD WAY, D, SOUTH ELGIN, IL 60177-3645 |
| 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.
| Date | Document |
|---|---|
| Apr 28, 2022 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Oct 27, 2021 | Warranty Deed, Transfer · Commercial Mortgage MIDLAND TRUST COMPANY |
| Oct 4, 2021 | Quit Claim Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 27, 2021 · Amount on File |
| Deed Sale | Oct 27, 2021 · Amount on File |
| Prior Sale | Oct 4, 2021 · Amount on File |
| Deed Document Number | 202181339 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 1115 ILLINOIS AVE, ST CHARLES, IL 60174-3133 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000023230 |
|---|---|
| Date | Apr 28, 2022 |
| Instrument | 2022K023230 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.87% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Oct 27, 2021 |
| Property Address | 1115 ILLINOIS AVE, ST CHARLES, IL 60174-3133 |
| Document Number | 0000081339 |
| Instrument Date | Oct 12, 2021 |
| Instrument | 2021K081339 |
| Transaction Type | Transfer |
| Record Updated | Sep 15, 2022 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $150.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 36W995 RED GATE RD, 36W995, SAINT CHARLES, IL 60175-6223 |
| Name | Verified Name |
|---|---|
| Address | 345 THORNWOOD WAY UNIT D, D, SOUTH ELGIN, IL 60177-3645 |
| Document Number | 0000081340 |
|---|---|
| Date | Oct 27, 2021 |
| Instrument | 2021K081340 |
| Name | MIDLAND TRUST COMPANY |
|---|---|
| Type | Non-Lending Institution |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Oct 4, 2021 |
| Property Address | 1115 ILLINOIS AVE, ST CHARLES, IL 60174-3133 |
| Document Number | 0000075031 |
| Instrument Date | Sep 15, 2021 |
| Instrument | 2021K075031 |
| Transaction Type | Transfer |
| Record Updated | Sep 15, 2022 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount on Record |
|---|---|
| Tax | $75.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 36W995 RED GATE RD, SAINT CHARLES, IL 60175-6223 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 1115 Illinois Ave was $8,001.
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 | $8,001.00 | $114,089 (+8.53%) Land $30,343 Building $83,746 | $342,404 (+8.53%) Land $91,065 Building $251,339 |
| 2024 | $105,122 Land $27,958 Building $77,164 | $315,492 Land $83,908 Building $231,585 | |
| 2022 | $4,036.00 (-30.81%) | $49,995 (-30.11%) Land $25,179 Building $24,816 | $149,985 (-30.11%) Land $75,537 Building $74,448 |
| 2021 | $5,833.00 | $71,532 Land $24,001 Building $47,531 | $214,596 Land $72,003 Building $142,593 |
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 1115 Illinois Ave in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 10 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 3 (1994–2020) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | May 2020 · 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 1115 Illinois Ave 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 492 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 DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
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