Kane County property record for 1205 Illinois Ave, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,461 sqft · built 1915 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $205,000 (Aug 2019) |
| Tax Bill | $6,773 (2025) |
| Deeds & Mortgages | Mar 2024 Mortgage Oct 2023 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 09-27-487-005 |
| Primary APN | 09-27-487-005 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,461 sqft Living Area |
| 1st Floor Area | 1,461 sqft |
| Basement Area | 1,188 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1974 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,000 sqft (0.115 acres) |
| Garage Type | Detached |
| Garage Area | 316 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 1205 ILLINOIS AVE |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-3134 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MAP AREA: 008-SEOLDTWN STC,AVE |
| Legal Subdivision | WILCOX WH |
| Legal Block | 4 |
| Legal Lot Number | 1 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 4 |
| Census Block | 4016 |
| Census Tract | 852002 |
Source: Kane County records, as of July 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 1205 ILLINOIS AVE, SAINT CHARLES, IL 60174-3134 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 12, 2024 | Deed of Trust, Mortgage · FHA Mortgage SPECIALIZED LOAN SERVICES LLC |
| Oct 31, 2023 | Deed of Trust, Mortgage · FHA Mortgage SPECIALIZED LOAN SERVICES LLC |
| Aug 16, 2019 | Warranty Deed, Transfer · FHA Mortgage GMFS |
| Jul 24, 2018 | Grant Deed, Transfer OS NATIONAL LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 16, 2019 · Amount on Record |
| Deed Sale | Aug 16, 2019 · Amount on Record |
| Prior Sale | Jul 17, 2013 · Amount on Record |
| Deed Document Number | 201937178 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 1205 ILLINOIS AVE, ST CHARLES, IL 60174-3134 |
| Transaction Type | Mortgage |
| Record Updated | Mar 20, 2024 |
| Name | Verified Name |
|---|---|
| Address | 1205 ILLINOIS AVE, SAINT CHARLES, IL 60174-3134 |
| Document Number | 0000008079 |
|---|---|
| Date | Mar 12, 2024 |
| Instrument | 2024K008079 |
| Name | SPECIALIZED LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ENGLEWOOD, CO 80111 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 306 Months |
| Due | Sep 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 1205 ILLINOIS AVE, ST CHARLES, IL 60174-3134 |
| Transaction Type | Mortgage |
| Record Updated | Nov 7, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1205 ILLINOIS AVE, SAINT CHARLES, IL 60174-3134 |
| Document Number | 0000038142 |
|---|---|
| Date | Oct 31, 2023 |
| Instrument | 2023K038142 |
| Name | SPECIALIZED LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ENGLEWOOD, CO 80111 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 311 Months |
| Due | Sep 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Aug 16, 2019 |
| Property Address | 1205 ILLINOIS AVE, ST CHARLES, IL 60174-3134 |
| Document Number | 0000037178 |
| Instrument Date | Aug 7, 2019 |
| Instrument | 37178 |
| Transaction Type | Transfer |
| Record Updated | Sep 2, 2019 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $307.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1205 ILLINOIS AVE ST CHARLES IL 601743134, ST CHARLES, IL 60174-3134 |
| Document Number | 37179 |
|---|---|
| Date | Aug 16, 2019 |
| Instrument | 37179 |
| Name | GMFS |
|---|---|
| Address | BATON ROUGE, LA 70806 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 15, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.25% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jul 24, 2018 |
| Property Address | 1205 ILLINOIS AVE, ST CHARLES, IL 60174-3134 |
| Document Number | 0000035548 |
| Instrument Date | Jun 28, 2018 |
| Instrument | 35548 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2018 |
| Title Company | OS NATIONAL LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Partnership |
| Address | 1717 MAIN ST #2000 DALLAS TX 752014657, 2000, DALLAS, TX 75201-4657 |
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 | $6,773.00 (+11.22%) Homeowner's exemption | $104,573 (+8.53%) Land $28,008 Building $76,565 | $313,845 (+8.53%) Land $84,058 Building $229,787 |
| 2024 | $96,354 (+18.33%) Land $25,807 Building $70,547 | $289,178 (+18.38%) Land $77,452 Building $211,726 | |
| 2022 | $6,090.00 (+4.28%) Homeowner's exemption | $81,426 (+4.91%) Land $22,778 Building $58,648 | $244,278 (+4.91%) Land $68,334 Building $175,944 |
| 2021 | $5,840.00 Homeowner's exemption | $77,615 Land $21,712 Building $55,903 | $232,845 Land $65,136 Building $167,709 |
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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| 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 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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