112 Moore Ave, Saint Charles, IL 60174 Property Records

Kane County property record for 112 Moore Ave, Saint Charles, IL 60174

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,618 sqft · built 1954
Lot Size	0.29 acres (12,632 sqft)
Owner	Individual Name on File
Last Sale	$230,000 (Jan 2021)
Tax Bill	$5,980 (2022)
Deeds & Mortgages	Jun 2026 Mortgage Nov 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-35-351-003`

Property Details

APN / Parcel Number

Primary APN	`09-35-351-003`

Interior

Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,618 sqft Living Area
1st Floor Area	1,618 sqft
Basement Area	809 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1974
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,632 sqft (0.29 acres)
Garage Type	Detached
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	112 MOORE AVE
City	SAINT CHARLES
State	IL
Zip	60174-4358
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAP AREA: 072-S-LANGMPARK
Legal Subdivision	HOWARD & BAIRDS ADD
Legal Block	2
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2016
Census Tract	852002

Owner

112 Moore Ave is owned and occupied by an individual who bought it in January 2021.

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

Owner of Record	Individual Name on File
Mailing Address	112 MOORE AVE, SAINT CHARLES, IL 60174-4358
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
Jun 17, 2026	Deed of Trust, Mortgage · Conventional Mortgage NAVY FEDERAL CREDIT UNION
Nov 25, 2020	Deed of Trust, Mortgage · Line of Credit HEARTLAND BANK & TRUST CO
Jan 22, 2021	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Nov 17, 2020	Grant Deed, Transfer GRANDVIEW TITLE SERVICES LLC, GRANDVIEW TITLE SVCS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 22, 2021 · Amount on File
Deed Sale	Jan 22, 2021 · Amount on File
Prior Sale	Nov 17, 2020 · Amount on File
Deed Document Number	20215628
Prior Transfer Date	Jun 24, 1998
Prior Transfer Doc	0000055984
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Recording Date	Jun 17, 2026
Property Address	112 MOORE AVE, SAINT CHARLES, IL 60174-4358
Document Number	0000025323
Instrument Date	Jun 9, 2026
Instrument	202625323
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 MOORE AVE, SAINT CHARLES, IL 60174-4358

Mortgage

Document Number	0000025323,
Date	Jun 17, 2026
Instrument	202625323

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jul 1, 2036

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	112 MOORE AVE, ST CHARLES, IL 60174-4358
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000073080
Date	Nov 25, 2020
Instrument	2020K073080

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank
Address	WESTERN SPRINGS, IL 60558

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 22, 2021
Property Address	112 MOORE AVE, ST CHARLES, IL 60174-4358
Document Number	0000005628
Instrument Date	Jan 12, 2021
Instrument	2021K005628
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	$230.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	36W995 RED GATE RD, 36W995, SAINT CHARLES, IL 60175-6223

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 MOORE AVE, SAINT CHARLES, IL 60174-4358

Mortgage

Document Number	0000005629
Date	Jan 22, 2021
Instrument	2021K005629

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

Interest

Rate	2.5%

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KANE IL
Recording Date	Nov 17, 2020
Property Address	112 MOORE AVE, ST CHARLES, IL 60174-4358
Document Number	0000070592
Instrument Date	Nov 13, 2020
Instrument	70592
Transaction Type	Transfer
Record Updated	Dec 7, 2020
Title Company	GRANDVIEW TITLE SERVICES LLC, GRANDVIEW TITLE SVCS LLC

Transaction

Amount	Amount on Record
Tax	$246.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	112 MOORE AVE ST CHARLES IL 601744358, ST CHARLES, IL 60174-4358
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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	Homeowner's exemption Veteran's exemption	$113,671 (+8.53%) Land $32,333 Building $81,338	$341,149 (+8.53%) Land $97,038 Building $244,112
2024		$104,737 Land $29,792 Building $74,945	$314,337 Land $89,412 Building $224,925
2022	$5,980.00 (-9.57%) Disabled Person's exemption Veteran's exemption	$85,068 (+4.91%) Land $25,825 Building $59,243	$255,204 (+4.91%) Land $77,475 Building $177,729
2021	$6,613.00	$81,086 Land $24,616 Building $56,470	$243,258 Land $73,848 Building $169,410

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 112 Moore Ave in Zone X, an area of minimal flood risk, within 500 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	8 (1979–2008)
Most Recent Claim	Sep 2008 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2008 · 7 claims

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 112 Moore 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 98% of the US · lower than 86% 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 353 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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