Kane County property record for 1122 S 5th St, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,632 sqft · built 1917 |
| Lot Size | 0.167 acres (7,260 sqft) |
| Owner | Individual Name on File |
| Last Sale | $380,000 (Jul 2021) |
| Tax Bill | $9,095 (2025) |
| Deeds & Mortgages | Jul 2021 Sale & Mortgage Apr 2019 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-34-311-005 |
| Primary APN | 09-34-311-005 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,632 sqft Living Area |
| Basement Area | 960 sqft |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1917 |
|---|---|
| Effective Year Built | Effective 1979 |
| Architectural Style | Bungalow |
| Exterior Material | Combination |
| Construction Type | Frame |
| Foundation Type | Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,260 sqft (0.167 acres) |
| Garage Type | Detached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Deck Area | Deck Area |
| Shed | 1 Shed |
| Shed Area | 60 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 1122 S 5TH ST |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-4025 |
| 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 | 2015 |
| Census Tract | 852201 |
1122 S 5th St is owned and occupied by an individual who bought it in July 2021.
Source: Kane County records, as of July 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1122 S 5TH ST, SAINT CHARLES, IL 60174-4025 |
| 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.
| Date | Document |
|---|---|
| Jul 15, 2021 | Warranty Deed, Transfer · Conventional Mortgage MIDWEST COMMUNITY BANK |
| Apr 10, 2019 | Warranty Deed, Transfer FIRST AMERICAN TITLE |
| Mar 23, 2017 | Warranty Deed, Transfer · FHA Mortgage VINSON MORTGAGE SERVICES INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 15, 2021 · Amount on File |
| Deed Sale | Jul 15, 2021 · Amount on File |
| Prior Sale | Apr 10, 2019 · Amount on File |
| Deed Document Number | 202154422 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jul 15, 2021 |
| Property Address | 1122 S 5TH ST, ST CHARLES, IL 60174-4025 |
| Document Number | 0000054422 |
| Instrument Date | Jun 21, 2021 |
| Instrument | 2021K054422 |
| Transaction Type | Transfer |
| Record Updated | Jul 29, 2021 |
| Title Company | PROPER TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $380.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1122 S 5TH ST, SAINT CHARLES, IL 60174-4025 |
| Document Number | 0000054423 |
|---|---|
| Date | Jul 15, 2021 |
| Instrument | 2021K054423 |
| Name | MIDWEST COMMUNITY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.87% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Apr 10, 2019 |
| Property Address | 1122 S 5TH ST, ST CHARLES, IL 60174-4025 |
| Document Number | 0000013824 |
| Instrument Date | Apr 1, 2019 |
| Instrument | 13824 |
| Transaction Type | Transfer |
| Record Updated | Apr 19, 2019 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $495.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1122 S 5TH ST ST CHARLES IL 601744025, ST CHARLES, IL 60174-4025 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Mar 23, 2017 |
| Property Address | 1122 S 5TH ST, ST CHARLES, IL 60174-4025 |
| Document Number | 0000014820 |
| Instrument Date | Mar 14, 2017 |
| Instrument | 2017K014820 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | CHICAGO TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $325.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1122 S 5TH ST, SAINT CHARLES, IL 60174-4025 |
| Document Number | 0000014821 |
|---|---|
| Date | Mar 23, 2017 |
| Instrument | 2017K014821 |
| Name | VINSON MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.37% |
The 2025 property tax bill for 1122 S 5th St was $9,095 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 | $9,095.00 Homeowner's exemption | $138,823 (+8.53%) Land $35,162 Building $103,661 | $416,636 (+8.53%) Land $105,528 Building $311,107 |
| 2024 | $127,912 Land $32,398 Building $95,514 | $383,890 Land $97,233 Building $286,657 | |
| 2022 | $8,360.00 (+4.16%) Homeowner's exemption | $109,541 (+4.91%) Land $28,406 Building $81,135 | $328,623 (+4.91%) Land $85,218 Building $243,405 |
| 2021 | $8,026.00 Homeowner's exemption | $104,415 Land $27,077 Building $77,338 | $313,245 Land $81,231 Building $232,014 |
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 1122 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 1122 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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