Kane County property record for 1312 E Main St, Saint Charles, IL 60174
| Property Type | Commercial |
|---|---|
| Details | 4,018 sqft · built 1993 |
| Lot Size | 0.41 acres (17,860 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $13,128 (2025) |
| Deeds & Mortgages | Jan 2024 Sale Aug 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-26-301-031 |
| Primary APN | 09-26-301-031 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 4,018 sqft Gross Area |
| 1st Floor Area | 4,018 sqft |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Lot Area | 17,860 sqft (0.41 acres) |
| Street Address | 1312 E MAIN ST |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-2317 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | PT SW1/4 SEC 26-40-08 DESC IN DOC 1797147 (EX PT FOR RD DESC IN 11ED49) |
| Legal Range | 08 |
| Legal Township | 40 |
| Legal Section | 26 |
| Legal Subdivision | WINGS VILLA ADD |
| Legal Block | 1 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 852005 |
Source: Kane County records, as of July 23, 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 | 333 MEADOWRUE LN, BATAVIA, IL 60510-2812 |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| Jan 31, 2024 | Agreement of Sale, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Aug 31, 2021 | Deed of Trust, Mortgage · Commercial Mortgage FIRST STATE BANK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Agreement of Sale |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jan 31, 2024 |
| Property Address | 1312 E MAIN ST, ST CHARLES, IL 60174-2317 |
| Document Number | 0000003207 |
| Instrument Date | Jan 30, 2024 |
| Instrument | 2024K003207 |
| Transaction Type | Transfer |
| Record Updated | Feb 7, 2024 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1795 W STATE ST, GENEVA, IL 60134-4709 |
| Name | Verified Name |
|---|---|
| Address | 1312 E MAIN ST, SAINT CHARLES, IL 60174-2317 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 1312 E MAIN ST, ST CHARLES, IL 60174-2317 |
| Transaction Type | Mortgage |
| Record Updated | Sep 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000066713 |
|---|---|
| Date | Aug 31, 2021 |
| Instrument | 2021K066713 |
| Name | FIRST STATE BANK |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, IL 60175 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $13,128.00 (+8.52%) | $187,197 (+8.53%) Land $86,618 Building $100,579 | $561,816 (+8.53%) Land $259,958 Building $301,858 |
| 2024 | $172,484 (+15.12%) Land $79,810 Building $92,674 | $517,659 (+15.17%) Land $239,526 Building $278,133 | |
| 2022 | $12,097.00 (+3.86%) | $149,829 (+4.91%) Land $71,159 Building $78,670 | $449,487 (+4.91%) Land $213,477 Building $236,010 |
| 2021 | $11,647.00 | $142,817 Land $67,829 Building $74,988 | $428,451 Land $203,487 Building $224,964 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 1 in force |
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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