1613 Oak St, Saint Charles, IL 60174 Property Records

Kane County property record for 1613 Oak St, Saint Charles, IL 60174

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 972 sqft · built 1962
Lot Size	0.172 acres (7,475 sqft)
Owner	2 Individual Names on File
Last Sale	$335,000 (Apr 2025)
Tax Bill	$5,900 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Oct 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-33-176-012`

Property Details

APN / Parcel Number

Primary APN	`09-33-176-012`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	972 sqft Living Area
1st Floor Area	972 sqft
Basement Area	972 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1969
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,475 sqft (0.172 acres)
Garage Type	Attached
Garage Area	264 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	1613 OAK ST
City	SAINT CHARLES
State	IL
Zip	60174-3630
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FAIRVIEW PLAZA UNIT NO. 4 LOT 12 BLK 14
Legal Subdivision	FAIRVIEW PLAZA
Legal Block	14
Legal Lot Number	12
Legal Unit	4
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2005
Census Tract	852203

Owner

1613 Oak St is owned and occupied by two individuals who bought it in April 2025.

Source: Kane County records, as of July 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1613 OAK ST, SAINT CHARLES, IL 60174-3630
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2024	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 13, 2022	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2025 · Amount on File
Deed Sale	Apr 10, 2025 · Amount on File
Prior Sale	Mar 1, 2024 · Amount on File
Deed Document Number	202512690
Record Updated	Oct 29, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Mar 1, 2024
Property Address	1613 OAK ST, SAINT CHARLES, IL 60174-3630
Document Number	0000006745
Instrument Date	Feb 29, 2024
Instrument	2024K006745
Transaction Type	Transfer
Record Updated	Mar 8, 2024
Title Company	FIDELITY NATIONAL TITLE INSURANCE NY, FIDELITY NATIONAL TITLE INS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$270.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1613 OAK ST, SAINT CHARLES, IL 60174-3630

Mortgage

Document Number	0000006746
Date	Mar 1, 2024
Instrument	2024K006746

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2054

Interest

Rate	6.62%

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1613 OAK ST, SAINT CHARLES, IL 60174-3630
Transaction Type	Mortgage
Record Updated	Oct 19, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000050289
Date	Oct 13, 2022
Instrument	2022K050289

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

Interest

Rate	6.75%

Tax Assessment & Valuation

The 2025 property tax bill for 1613 Oak St was $5,900.

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,900.00	$92,129 (+8.53%) Land $33,546 Building $58,583	$276,498 (+8.53%) Land $100,678 Building $175,819
2024		$84,888 Land $30,909 Building $53,979	$254,766 Land $92,764 Building $162,002
2022	$4,745.00 (+4.82%) Homeowner's exemption	$69,779 (+4.91%) Land $27,669 Building $42,110	$209,337 (+4.91%) Land $83,007 Building $126,330
2021	$4,527.00 Homeowner's exemption	$66,513 Land $26,374 Building $40,139	$199,539 Land $79,122 Building $120,417

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.

Flood

FEMA maps place 1613 Oak St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 1613 Oak St has no burnable land within ember reach, so its wildfire risk is not rated.

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	GENEVA serves 21,247 people · EPA ID IL0890350
Water Source	Groundwater
Last State Inspection	Jun 2023
Also Mapped Here	ST CHARLES
Lead	5 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 419 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Frontier.

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