Kane County property record for 1224 E Main St, Saint Charles, IL 60174 · Last verified July 2026
| Property Type | Commercial |
|---|---|
| Details | 3 bd · 2 ba · 1,107 sqft · built 1930 |
| Lot Size | 0.54 acres (23,522 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $240,000 (Oct 2018) |
| Tax Bill | $7,594 (2025) |
| Deeds & Mortgages | Oct 2017 Mortgage Mar 2019 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-27-430-024 |
| Primary APN | 09-27-430-024 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,107 sqft Gross Area |
| 1st Floor Area | 1,107 sqft |
| Basement Area | 1,107 sqft |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1950 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 23,522 sqft (0.54 acres) |
| Garage Type | Detached |
| Garage Area | 468 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 1224 E MAIN ST |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-2261 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | THAT PT OF LT 36 IN WINGS VILLA ACRE LOTS ADDITION TO ST. CHARLES (EX PT DESC IN DOC 2010K083572) |
| Legal Subdivision | WINGS VILLA ACRE |
| Legal Block | 1 |
| Legal Lot Number | 36 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 852005 |
Source: Kane County records · APN 09-27-430-024
Assessment roll updated August 25, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 1224 E MAIN ST, SAINT CHARLES, IL 60174-2261 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Oct 12, 2017 | Deed of Trust, Mortgage · Commercial Mortgage FIRST MIDWEST BANK |
| Mar 01, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FIRST SECURE COMMUNIT BANK |
| Feb 28, 2019 | Deed of Trust, Mortgage · Conventional Mortgage SOMERCOR 504 |
| Oct 11, 2018 | Warranty Deed, Transfer · Commercial Mortgage AMERICAN HEARTLAND BANK & TRUST |
| Dec 28, 2017 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 11, 2018 · Amount on Record |
| Deed Sale | Oct 11, 2018 · Amount on Record |
| Prior Sale | Jan 25, 2013 · Amount on Record |
| Deed Document Number | 201849837 |
| Prior Transfer Date | Apr 15, 2009 |
| Prior Transfer Doc | 0000029767 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 1224 E MAIN ST, ST CHARLES, IL 60174-2261 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | ATTORNEYS TITLE GUARANTY FUN |
| Name | Verified Name |
|---|
| Document Number | 0000053579 |
|---|---|
| Date | Oct 12, 2017 |
| Instrument | 2017K053579 |
| Name | FIRST MIDWEST BANK |
|---|---|
| Type | Bank |
| Address | ITASCA, IL 60143 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 61 Months |
| Due | Nov 05, 2022 |
| Rate | 4.82% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 1224 E MAIN ST, ST CHARLES, IL 60174-2261 |
| Document Number | 0000009397 |
| Instrument Date | Mar 01, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 21, 2019 |
| Title Company | PREMIER TITLE COMPANY, PREMIER TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1224 E MAIN ST ST CHARLES IL 601742261, ST CHARLES, IL 60174-2261 |
| Document Number | 0000009397 |
|---|---|
| Date | Mar 11, 2019 |
| Instrument | 9397 |
| Name | FIRST SECURE COMMUNIT BANK |
|---|---|
| Address | 670 N SUGAR GROVE PKWY, SUGAR GROVE, IL 60554-8112 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Mar 10, 2029 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 1224 E MAIN ST, ST CHARLES, IL 60174-2261 |
| Document Number | 0000009395 |
| Instrument Date | Feb 28, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 20, 2019 |
| Title Company | PREMIER TITLE COMPANY, PREMIER TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1224 E MAIN ST ST CHARLES IL 601742261, ST CHARLES, IL 60174-2261 |
| Document Number | 0000009395 |
|---|---|
| Date | Mar 11, 2019 |
| Instrument | 9395 |
| Name | SOMERCOR 504 |
|---|---|
| Address | CHICAGO, IL 60605 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Mar 10, 2044 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Oct 11, 2018 |
| Property Address | 1224 E MAIN ST, ST CHARLES, IL 60174-2261 |
| Document Number | 0000049837 |
| Instrument Date | Oct 02, 2018 |
| Instrument | 2018K049837 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $240.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 3306 OXBOWIN, SAINT CHARLES, IL 60174-8636 |
| Document Number | 0000049838 |
|---|---|
| Date | Oct 11, 2018 |
| Instrument | 2018K049838 |
| Name | AMERICAN HEARTLAND BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Number | 0000049840 |
|---|---|
| Date | Oct 11, 2018 |
| Instrument | 2018K049840 |
| Name | AMERICAN HEARTLAND BANK & TRUST |
|---|---|
| Type | Bank |
| Address | SUGAR GROVE, IL 60554 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Dec 28, 2017 |
| Property Address | 1224 E MAIN ST, ST CHARLES, IL 60174-2261 |
| Document Number | 0000067395 |
| Instrument Date | Dec 28, 2017 |
| Instrument | 67395 |
| Transaction Type | Transfer |
| Record Updated | Jan 09, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 605 W MAIN ST ST CHARLES IL 601741740, ST CHARLES, IL 60174-1740 |
Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 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) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,594.00 (-3.04%) | ||
| 2024 | $99,769 (+2.84%) Land $70,077 Building $29,692 | $299,427 (+2.89%) Land $210,315 Building $89,112 | |
| 2022 | $7,832.00 (+3.86%) | $97,010 (+4.91%) Land $69,424 Building $27,586 | $291,030 (+4.91%) Land $208,272 Building $82,758 |
| 2021 | $7,541.00 | $92,470 Land $66,175 Building $26,295 | $277,410 Land $198,525 Building $78,885 |
Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170898520051, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 1 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 1 in force 1 of 1 on primary residences |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
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