Kane County property record for 1520 E Main St, Saint Charles, IL 60174
| Property Type | Commercial |
|---|---|
| Details | 8,240 sqft · built 1987 |
| Lot Size | 1.49 acres (64,904 sqft) |
| Owner | Company Name on Record |
| Last Sale | $1,815,000 (May 2015) |
| Tax Bill | $54,229 (2025) |
| Deeds & Mortgages | Jan 2020 Line of Credit Apr 2019 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-26-326-027 |
| Primary APN | 09-26-326-027 |
|---|
| Units | 69 Units |
|---|---|
| Stories | 3 Stories |
| Building Area | 8,240 sqft Gross Area |
| Elevator | Elevator |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Lot Area | 64,904 sqft (1.49 acres) |
| Street Address | 1520 E MAIN ST |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-2327 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | PT OF LOT 19 AND VACATED FRONTAGE ST IN SURREY HILL UNIT NO. 2 DESC IN DOC 1892648 DATED 2/9/88 (EX PT FOR RD DESC IN COURT ORDER 11ED11) |
| Legal Subdivision | SURREY HILL |
| Legal Block | 2 |
| Legal Lot Number | 19 |
| Legal Unit | 2 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 852005 |
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 | 1520 E MAIN ST, SAINT CHARLES, IL 60174-2327 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Jan 2, 2020 | Trustee's Deed, Construction Loan · Line of Credit PEOPLEFIRST BK |
| Apr 12, 2019 | Grant Deed, Mortgage · Line of Credit PEOPLEFIRST BK |
| Nov 30, 2017 | Deed of Trust, Mortgage BYLINE BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 28, 2015 · Amount on Record |
| Deed Sale | May 28, 2015 · Amount on Record |
| Deed Document Number | 201527188 |
| Record Updated | Sep 20, 2026 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jan 2, 2020 |
| Property Address | 1520 E MAIN ST, ST CHARLES, IL 60174-2327 |
| Instrument Date | Nov 13, 2019 |
| Instrument | 64 |
| Transaction Type | Construction Loan |
| Record Updated | Jan 16, 2020 |
| Title Company | FIDELITY NATIONAL TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1520 E MAIN ST ST CHARLES IL 601742327, ST CHARLES, IL 60174-2327 |
| Document Number | 0000000064 |
|---|---|
| Date | Jan 2, 2020 |
| Instrument | 64 |
| Name | PEOPLEFIRST BK |
|---|---|
| Type | Bank |
| Address | JOLIET, IL 60435 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jan 1, 2021 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.75% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Apr 12, 2019 |
| Property Address | 1520 E MAIN ST, ST CHARLES, IL 60174-2327 |
| Instrument Date | Apr 5, 2019 |
| Instrument | 14202 |
| Transaction Type | Mortgage |
| Record Updated | Apr 18, 2019 |
| Title Company | FIDELITY NATIONAL TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1520 E MAIN ST ST CHARLES IL 601742327, ST CHARLES, IL 60174-2327 |
| Document Number | 0000014202 |
|---|---|
| Date | Apr 12, 2019 |
| Instrument | 14202 |
| Name | PEOPLEFIRST BK |
|---|---|
| Type | Bank |
| Address | 3100 THEODORE ST, JOLIET, IL 60435-8534 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 1520 E MAIN ST, ST CHARLES, IL 60174-2327 |
| Document Number | 0000064659 |
| Instrument Date | Nov 30, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2018 |
| Title Company | FREEDOM TITLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1520 E MAIN ST ST CHARLES IL 601742327, ST CHARLES, IL 60174-2327 |
| Document Number | 0000064659 |
|---|---|
| Date | Dec 12, 2017 |
| Instrument | 64659 |
| Name | BYLINE BK |
|---|---|
| Address | ELM GROVE, WI 53122 |
| Amount | Amount Recorded |
|---|
Source: Kane County assessment roll, as of August 25, 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 | $54,229.00 (-14.9%) | ||
| 2024 | $712,448 (-9.73%) Land $362,550 Building $349,898 | $2,138,199 (-9.7%) Land $1,088,085 Building $1,050,114 | |
| 2022 | $63,726.00 (+17.77%) | $789,262 (+18.96%) Land $323,251 Building $466,011 | $2,367,786 (+18.96%) Land $969,753 Building $1,398,033 |
| 2021 | $54,112.00 | $663,483 Land $308,122 Building $355,361 | $1,990,449 Land $924,366 Building $1,066,083 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 2 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 | Low lower than 99.1% of the US · lower than 94% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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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