1. Home
  2. Illinois
  3. Kane County
  4. Saint Charles
  5. Cedar Ave

115 Cedar Ave, Saint Charles, IL 60174 Property Records

Kane County property record for 115 Cedar Ave, Saint Charles, IL 60174

Property Summary

Property TypeCommercial
Details828 sqft · built 1920
Lot Size0.89 acres (3,858 sqft)
OwnerCompany Name on Record
Last Sale$560,000 (Aug 2026)
Tax Bill$9,411 (2025)
Deeds & MortgagesAug 2026 Sale & Mortgage
Jun 2026 Transfer
Flood ZoneZone X (minimal risk)
APN09-27-386-015

Property Details

APN / Parcel Number

Primary APN09-27-386-015

Interior

Stories2 Stories
Building Area828 sqft Gross Area

Exterior

Year BuiltBuilt 1920
Effective Year BuiltEffective 1990
Lot Area3,858 sqft (0.89 acres)

Location & Zoning

Street Address115 CEDAR AVE
CitySAINT CHARLES
StateIL
Zip60174-2878
Property CategoryCommercial
Property TypeCommercial > Retail
Legal Description:EASE ORG TOWN1 6
Legal SubdivisionSTC-ORIGINAL TOWN
Legal Block1
Legal Lot Number2,3
JurisdictionKANE IL
Township / Civil DivisionST. CHARLES
Census Block Group1
Census Block1010
Census Tract852300

Owner

Source: Kane County records, as of August 24, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on Record
Mailing Address115 CEDAR AVE, SAINT CHARLES, IL 60174-2878
Owner TypeCompany
VestingLimited Liability Partnership

Deeds, Mortgages & Sale History

DateDocument
Aug 14, 2026Warranty Deed, Transfer · Conventional Mortgage
CRYSTAL LAKE BANK AND TRUST
Jun 12, 2026Quit Claim Deed, Transfer
NONE LISTED ON DOCUMENT

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 14, 2026 · Amount on Record
Deed SaleAug 14, 2026 · Amount on Record
Deed Document Number202635177
Prior Transfer DateJun 12, 2026
Prior Transfer Doc0000024589
Record UpdatedOct 29, 2026

August 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKANE IL
Recording DateAug 14, 2026
Property Address115 CEDAR AVE, SAINT CHARLES, IL 60174-2878
Document Number0000035177
Instrument DateJul 15, 2026
Instrument202635177
Transaction TypeTransfer
Record UpdatedAug 31, 2026
Title CompanyCHICAGO TITLE W, CHICAGO TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$84,840.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLimited Liability Partnership
Address115 CEDAR AVE, SAINT CHARLES, IL 60174-2878

Mortgage

Document Number0000035178,
DateAug 14, 2026
Instrument202635178
Lender
NameCRYSTAL LAKE BANK AND TRUST
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Interest
Max Rate-1%

June 2026: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionKANE IL
Recording DateJun 12, 2026
Property Address115 CEDAR AVE, SAINT CHARLES, IL 60174-2878
Document Number0000024589
Instrument DateJun 12, 2026
Instrument202624589
Transaction TypeTransfer
Record UpdatedAug 30, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLimited Liability Partnership
Address1760 PERSIMMON DR, SAINT CHARLES, IL 60174-1331

Tax Assessment & Valuation

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionSt. Charles Township
MunicipalitySt. Charles City
Unified School DistrictSt. Charles Community Unit School District 303 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$9,411.00 (+3%)$115,327 (+8.53%) Land $31,185 Building $84,142$346,119 (+8.53%) Land $93,592 Building $252,527
2024$9,137.00 (-6.95%)$106,263 (+1.31%) Land $28,734 Building $77,529$318,917 (+1.35%) Land $86,236 Building $232,680
2022$9,819.00 (+3.87%)$104,888 (+4.91%) Land $25,620 Building $79,268$314,664 (+4.91%) Land $76,860 Building $237,804
2021$9,453.00$99,979 Land $24,421 Building $75,558$299,937 Land $73,263 Building $226,674

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

Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies7 in force
Nearby Flood Claims29 (1979–2020)
Claims Outside the SFHA5 of 29
Most Recent ClaimMay 2020 · rainfall accumulation
Claims by Event
  • Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 2 claims
  • 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot rated
no burnable land within 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 SystemST CHARLES
serves 33,081 people · EPA ID IL0894830
Water SourceGroundwater
Last State InspectionOct 2022
Lead4 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 341 locations within half a mile, as of December 31, 2025

ProviderMax 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 · Fiber, DSL in parts of the area		100 / 20

May also be available: Frontier.

Nearby Properties on Cedar Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures