Kane County property record for 1301 E Main St, Saint Charles, IL 60174
| Property Type | Commercial |
|---|---|
| Details | 3,300 sqft · built 1982 |
| Lot Size | 0.37 acres (16,117 sqft) |
| Owner | Company Name on Record |
| Last Sale | $450,000 (Jun 2023) |
| Tax Bill | $18,450 (2025) |
| Deeds & Mortgages | Feb 2026 Line of Credit Jun 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-27-432-002 |
| Primary APN | 09-27-432-002 |
|---|
| Stories | 2 Stories |
|---|---|
| Building Area | 3,300 sqft Gross Area |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1985 |
| Lot Area | 16,117 sqft (0.37 acres) |
| Street Address | 1301 E MAIN ST |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-3276 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | PT SE1/4 SEC 27-40-08 & SW1/4 SEC 26-40-08 DESC IN DOC 2004K118829 (EX PT FOR RD DESC IN 11ED23) |
| Legal Range | 08 |
| Legal Township | 40 |
| Legal Section | 27 |
| Legal Block | 4 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 4 |
| Census Block | 4013 |
| 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 | 1301 E MAIN ST, SAINT CHARLES, IL 60174-3276 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
| Date | Document |
|---|---|
| Feb 26, 2026 | Deed of Trust, Mortgage · Line of Credit FIRST STATE BANK |
| Jun 7, 2023 | Warranty Deed, Transfer · Commercial Mortgage R & D PARTNERS LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 7, 2023 · Amount on Record |
| Deed Sale | Jun 7, 2023 · Amount on Record |
| Prior Sale | Jun 24, 1997 · Amount on Record |
| Deed Document Number | 202318459 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 1301 E MAIN ST, ST CHARLES, IL 60174-3276 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000007755 |
|---|---|
| Date | Feb 26, 2026 |
| Instrument | 2026K007755 |
| Name | FIRST STATE BANK |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, IL 60175 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Feb 25, 2041 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jun 7, 2023 |
| Property Address | 1301 E MAIN ST, ST CHARLES, IL 60174-3276 |
| Document Number | 0000018459 |
| Instrument Date | May 31, 2023 |
| Instrument | 2023K018459 |
| Transaction Type | Transfer |
| Record Updated | Jun 16, 2023 |
| Title Company | CHICAGO TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $450.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1301 E MAIN ST, SAINT CHARLES, IL 60174-3276 |
| Document Number | 0000018460 |
|---|---|
| Date | Jun 7, 2023 |
| Instrument | 2023K018460 |
| Name | R & D PARTNERS LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Commercial Mortgage |
|---|---|
| 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 | $18,450.00 (+2.54%) | ||
| 2024 | $17,993.00 (-1.87%) | $242,391 (+6.73%) Land $60,020 Building $182,371 | $727,464 (+6.78%) Land $180,132 Building $547,332 |
| 2022 | $18,336.00 (+3.86%) | $227,101 (+4.91%) Land $53,514 Building $173,587 | $681,303 (+4.91%) Land $160,542 Building $520,761 |
| 2021 | $17,654.00 | $216,472 Land $51,009 Building $165,463 | $649,416 Land $153,027 Building $496,389 |
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 500 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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