Kane County property record for 1639 E Main St, Saint Charles, IL 60174
| Property Type | Commercial |
|---|---|
| Details | 3,746 sqft · built 2008 |
| Lot Size | 1.17 acres (50,965 sqft) |
| Owner | Company Name on Record |
| Last Sale | $1,900,000 (Aug 2019) |
| Tax Bill | $20,716 (2025) |
| Deeds & Mortgages | Jun 2022 Mortgage Aug 2019 Sale & Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-26-402-032 |
| Primary APN | 09-26-402-032 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 3,746 sqft Gross Area |
| 1st Floor Area | 3,746 sqft |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Lot Area | 50,965 sqft (1.17 acres) |
| Street Address | 1639 E MAIN ST |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-2372 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | MAP AREA: 151-WASH FACILITY |
| Legal Subdivision | DELNOR INDUSTRL PARK |
| Legal Block | 4 |
| Legal Lot Number | 1 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 4 |
| Census Block | 4006 |
| 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 | 1229 N NORTH BRANCH ST, 312, CHICAGO, IL 60642-6954 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Jun 15, 2022 | Deed of Trust, Mortgage · Commercial Mortgage BYLINE BANK |
| Aug 14, 2019 | Grant Deed, Construction Loan · Line of Credit ST CHARLES BK&TR |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 14, 2019 · Amount on Record |
| Deed Sale | Aug 14, 2019 · Amount on Record |
| Prior Sale | Apr 27, 2011 · Amount on Record |
| Deed Document Number | 201936759 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 1639 E MAIN ST, ST CHARLES, IL 60174-2372 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000031439 |
|---|---|
| Date | Jun 15, 2022 |
| Instrument | 2022K031439 |
| Name | BYLINE BANK |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60601 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Aug 14, 2019 |
| Property Address | 1639 E MAIN ST, ST CHARLES, IL 60174-2372 |
| Document Number | 0000036759 |
| Instrument Date | May 22, 2019 |
| Instrument | 36759 |
| Transaction Type | Construction Loan |
| Record Updated | Aug 23, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,850.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1229 N N BRANDE #312 CHICAGO IL 60642, 312, CHICAGO, IL 60642 |
| Document Number | 36761 |
|---|---|
| Date | Aug 14, 2019 |
| Instrument | 36761 |
| Name | ST CHARLES BK&TR |
|---|---|
| Type | Bank |
| Address | 411 W MAIN ST, ST CHARLES, IL 60174-1815 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $20,716.00 (-22.16%) | ||
| 2024 | $283,305 (-14.05%) Land $137,120 Building $146,185 | $850,255 (-14.02%) Land $411,525 Building $438,730 | |
| 2022 | $26,614.00 (+3.86%) | $329,627 (+4.91%) Land $122,257 Building $207,370 | $988,881 (+4.91%) Land $366,771 Building $622,110 |
| 2021 | $25,625.00 | $314,200 Land $116,535 Building $197,665 | $942,600 Land $349,605 Building $592,995 |
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 |
|---|---|
| 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 100 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 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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