Kane County property record for 1121 E Main St, Saint Charles, IL 60174
| Property Type | Commercial |
|---|---|
| Details | 6,935 sqft · built 1990 |
| Lot Size | 1.03 acres (44,867 sqft) |
| Owner | Company Name on Record |
| Last Sale | $3,525,000 (Dec 2009) |
| Tax Bill | $57,356 (2025) |
| Deeds & Mortgages | Nov 2023 Mortgage Nov 2020 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-27-484-001 |
| Primary APN | 09-27-484-001 |
|---|
| Units | 112 Units |
|---|---|
| Stories | 3 Stories |
| Building Area | 6,935 sqft Gross Area |
| Basement Area | 6,935 sqft |
| Elevator | Elevator |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1994 |
| Lot Area | 44,867 sqft (1.03 acres) |
| Street Address | 1121 E MAIN ST |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-2205 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | MAP AREA: 172-LRGE OFFCE>10000 |
| Legal Subdivision | PERKINS SARAH ADD |
| Legal Block | 4 |
| Legal Lot Number | 3,4 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 4 |
| Census Block | 4015 |
| Census Tract | 852002 |
Source: Kane County records, as of July 21, 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 | PO BOX 3, WAYNE, IL 60184-0003 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Nov 27, 2023 | Deed of Trust, Mortgage · Commercial Mortgage FIRST BANK OF MANHATTAN |
| Nov 17, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Feb 18, 2020 | Loan Modification, Mortgage BUSEY BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 17, 2009 · Amount on Record |
| Deed Sale | Dec 17, 2009 · Amount on Record |
| Deed Document Number | 200992982 |
| Last Transfer Date | Nov 5, 2020 |
| Transfer Doc | 0000070890 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 1121 E MAIN ST, ST CHARLES, IL 60174-2205 |
| Transaction Type | Mortgage |
| Record Updated | Dec 6, 2023 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000041415 |
|---|---|
| Date | Nov 27, 2023 |
| Instrument | 2023K041415 |
| Name | FIRST BANK OF MANHATTAN |
|---|---|
| Type | Bank |
| Address | MANHATTAN, IL 60442 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Nov 24, 2028 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Nov 17, 2020 |
| Property Address | 1121 E MAIN ST, ST CHARLES, IL 60174-2205 |
| Document Number | 0000070890 |
| Instrument Date | Nov 5, 2020 |
| Instrument | 70890 |
| Transaction Type | Transfer |
| Record Updated | Dec 2, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 43W561 TALL OAKS TRL ELBURN IL 601199691, ELBURN, IL 60119-9691 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 1121 E MAIN ST, ST CHARLES, IL 60174-2205 |
| Document Number | 0000017828 |
| Instrument Date | Feb 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2020 |
| Title Company | NOT AVAILABLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1121 E MAIN ST ST CHARLES IL 601742205, ST CHARLES, IL 60174-2205 |
| Document Number | 0000017828 |
|---|---|
| Date | Apr 9, 2020 |
| Instrument | 17828 |
| Name | BUSEY BK |
|---|---|
| Type | Bank |
| Address | 401 S MAIN ST, NAPERVILLE, IL 60540-5477 |
| Amount | Amount Recorded |
|---|
Source: Kane County assessment roll, as of December 26, 2025
| 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 | $57,356.00 (-3.89%) | ||
| 2024 | $753,535 (+1.95%) Land $200,401 Building $553,134 | $2,261,510 (+2%) Land $601,444 Building $1,660,066 | |
| 2022 | $59,675.00 (-2.31%) | $739,087 (-1.32%) Land $178,679 Building $560,408 | $2,217,261 (-1.32%) Land $536,037 Building $1,681,224 |
| 2021 | $61,085.00 | $748,992 Land $170,316 Building $578,676 | $2,246,976 Land $510,948 Building $1,736,028 |
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 100 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 |
| 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.
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 224 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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