1765 Charles Ave, Algonquin, IL 60102 Property Records

Kane County property record for 1765 Charles Ave, Algonquin, IL 60102

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,708 sqft · built 1985
Lot Size	0.247 acres (10,757 sqft)
Owner	Individual Name on File
Tax Bill	$7,428 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Nov 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-03-426-027`

Property Details

APN / Parcel Number

Primary APN	`03-03-426-027`

Interior

Bedrooms	3 Beds
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,708 sqft Living Area
Gross Area	2,835 sqft
1st Floor Area	1,001 sqft
Basement Area	707 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Lot Area	10,757 sqft (0.247 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1765 CHARLES AVE
City	ALGONQUIN
State	IL
Zip	60102-3779
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 248 RIVERWOOD ESTATES UNIT 4 SUBDIVISION: RIVERWOOD ESTATES RANGE CODE: 8 E TWSHP 42N
Legal Subdivision	RIVERWOOD ESTATES
Legal Block	1
Legal Lot Number	248
Legal Unit	4
Jurisdiction	KANE IL
Township / Civil Division	DUNDEE
Census Block Group	1
Census Block	1014
Census Tract	850106

Owner

1765 Charles Ave is owned and occupied by an individual who acquired it in October 2021.

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

Owner of Record	Individual Name on File
Mailing Address	1765 CHARLES AVE, ALGONQUIN, IL 60102-3779
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 24, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 3, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Oct 15, 2021	Intrafamily Transfer, Transfer · FHA Mortgage NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 15, 2021
Deed Sale	Oct 15, 2021
Deed Document Number	202178148
Prior Transfer Date	Jun 29, 2021
Prior Transfer Doc	0000078148
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Recording Date	Apr 24, 2026
Property Address	1765 CHARLES AVE, ALGONQUIN, IL 60102-3779
Document Number	0000016594
Instrument Date	Apr 17, 2026
Instrument	202616594
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1765 CHARLES AVE, ALGONQUIN, IL 60102-3779

Mortgage

Document Number	0000016594,
Date	Apr 24, 2026
Instrument	202616594

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	May 1, 2046

Interest

Rate Type	Fixed Rate
Rate	9.8%
Initial Type	Fixed Rate
Max Rate	-1%

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1765 CHARLES AVE, ALGONQUIN, IL 60102-3779
Transaction Type	Mortgage
Record Updated	Nov 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1765 CHARLES AVE, ALGONQUIN, IL 60102-3779

Mortgage

Document Number	0000053541
Date	Nov 3, 2022
Instrument	2022K053541

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	164 Months
Due	Jul 1, 2036

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Oct 15, 2021
Property Address	1765 CHARLES AVE, ALGONQUIN, IL 60102-3779
Document Number	0000078148
Map Reference	DOC 2004K003390
Instrument Date	Jun 29, 2021
Instrument	2021K078148
Transaction Type	Transfer
Record Updated	Oct 22, 2021
Title Company	TITLE 365

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1765 CHARLES AVE, ALGONQUIN, IL 60102-3779

Mortgage

Document Number	0000078149
Date	Oct 15, 2021
Instrument	2021K078149

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	177 Months
Due	Jul 1, 2036

Interest

Rate	3.12%

Tax Assessment & Valuation

The 2025 property tax bill for 1765 Charles Ave was $7,428 with a homeowner's exemption, up 4.9% from the year before.

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

Property Jurisdictions

Type	Name
State	Illinois
Municipality	Algonquin Village
County	Kane County
County Subdivision	Dundee Township
Unified School District	Community Unit School District 300 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,428.00 (+4.94%) Homeowner's exemption	$107,294 (+9.42%) Land $28,154 Building $79,140	$322,011 (+9.42%) Land $84,496 Building $237,515
2024	$7,078.00	$98,057 Land $25,730 Building $72,327	$294,289 Land $77,221 Building $217,068
2022	$6,760.00 (+3.17%) Homeowner's exemption	$84,243 (+5.91%) Land $23,151 Building $61,092	$252,729 (+5.91%) Land $69,453 Building $183,276
2021	$6,552.00 Homeowner's exemption	$79,542 Land $21,859 Building $57,683	$238,626 Land $65,577 Building $173,049

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1765 Charles Ave in Zone X, an area of minimal flood risk, though there have been 18 flood claims nearby since 1979.

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 File median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	18 (1979–2017)
Claims Outside the SFHA	3 of 18
Most Recent Claim	Jul 2017 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Aug 2007 · 7 claims

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.

Wildfire

Wildfire risk around 1765 Charles Ave is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 74% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	ALGONQUIN serves 30,700 people · EPA ID IL1110050
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	2 ppb (2026–2028) action level 15 ppb
Copper	1.6 mg/L (2022–2024) action level 1.3 mg/L

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 102 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Verizon.

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