Kane County property record for 1315 E Main St, Saint Charles, IL 60174
| Property Type | General Industrial |
|---|---|
| Details | 8,430 sqft · built 1920 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | Company Name on Record |
| Last Sale | $1,500,000 (May 2026) |
| Tax Bill | $8,089 (2025) |
| Deeds & Mortgages | Aug 2022 Mortgage May 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-26-302-003 |
| Primary APN | 09-26-302-003 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 8,430 sqft Gross Area |
| 1st Floor Area | 8,430 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1986 |
| Lot Area | 20,038 sqft (0.46 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 1315 E MAIN ST |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-2341 |
| Property Category | Industrial |
| Property Type | Industrial > General Industrial |
| Legal Description | PT |
| 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 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 | 1311 E MAIN ST, 15, SAINT CHARLES, IL 60174-2341 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Aug 23, 2022 | Deed of Trust, Mortgage · Commercial Mortgage MILLENNIUM BANK |
| May 19, 2026 | Special Warranty Deed, Transfer · Conventional Mortgage U S BANK N A |
| Aug 4, 2022 | Special Warranty Deed, Transfer · Commercial Mortgage MILLENNIUM BANK |
| Jan 4, 2017 | Loan Modification, Mortgage ST CHARLES BK&TR |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 19, 2026 · Amount on Record |
| Deed Sale | May 19, 2026 · Amount on Record |
| Prior Sale | Aug 4, 2022 · Amount on Record |
| Deed Document Number | 202620604 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 1315 E MAIN ST, ST CHARLES, IL 60174-2341 |
| Transaction Type | Mortgage |
| Record Updated | May 28, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000042565 |
|---|---|
| Date | Aug 23, 2022 |
| Instrument | 2022K042565 |
| Name | MILLENNIUM BANK |
|---|---|
| Type | Bank |
| Address | DES PLAINES, IL 60016 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | May 19, 2026 |
| Property Address | 1315 E MAIN ST, ST CHARLES, IL 60174-2341 |
| Document Number | 0000020604 |
| Instrument Date | May 4, 2026 |
| Instrument | 2026.20604 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $227,250.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Address | SAINT CHARLES, IL 60174 |
| Document Number | 0000020605, |
|---|---|
| Date | May 19, 2026 |
| Instrument | 2026..20605 |
| Name | U S BANK N A |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Aug 4, 2022 |
| Property Address | 1315 E MAIN ST, ST CHARLES, IL 60174-2341 |
| Document Number | 0000039632 |
| Instrument Date | Jul 17, 2022 |
| Instrument | 2022K039632 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,050.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3632 STEM AVE, 3632, SAINT CHARLES, IL 60174 |
| Name | Verified Name |
|---|---|
| Address | 23 N WABASH AVE, CHICAGO, IL 60602-4717 |
| Document Number | 0000042565 |
|---|---|
| Date | Aug 23, 2022 |
| Instrument | 2022K042565 |
| Name | MILLENNIUM BANK |
|---|---|
| Type | Bank |
| Address | DES PLAINES, IL 60016 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 1315 E MAIN ST, ST CHARLES, IL 60174-2341 |
| Document Number | 0000003233 |
| Instrument Date | Jan 4, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 4, 2017 |
| Title Company | OTHER |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1315 E MAIN ST ST CHARLES IL 601742341, ST CHARLES, IL 60174-2341 |
| Document Number | 0000003233 |
|---|---|
| Date | Jan 18, 2017 |
| Instrument | 3233 |
| Name | ST CHARLES BK&TR |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, IL 60174 |
| Amount | Amount Recorded |
|---|
| Rate | 5% |
|---|
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 | $8,089.00 (+2.54%) | $115,341 (+8.53%) Land $36,442 Building $78,899 | $346,161 (+8.53%) Land $109,370 Building $236,792 |
| 2024 | $7,889.00 (-6.32%) | $106,276 (+1.9%) Land $33,578 Building $72,698 | $318,956 (+1.94%) Land $100,774 Building $218,181 |
| 2022 | $8,421.00 (+3.86%) | $104,297 (+4.91%) Land $33,265 Building $71,032 | $312,891 (+4.91%) Land $99,795 Building $213,096 |
| 2021 | $8,108.00 | $99,416 Land $31,708 Building $67,708 | $298,248 Land $95,124 Building $203,124 |
Assessed value is set for property tax purposes, not a market price estimate; it is 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 100 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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