190 E Saint Charles Rd, Elmhurst, IL 60126 Property Records

DuPage County property record for 190 E Saint Charles Rd, Elmhurst, IL 60126

Property Summary

Property Type	Single Family Home
Details	2,363 sqft · built 1929
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on Record
Last Sale	$750,000 (Jun 2023)
Tax Bill	$15,231 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Jun 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-12-108-005`

Property Details

APN / Parcel Number

Primary APN	`06-12-108-005`

Interior

Stories	2 Stories
Building Area	2,363 sqft Living Area
Gross Area	3,064 sqft
1st Floor Area	1,242 sqft
2nd Floor Area	1,121 sqft
Basement Area	701 sqft

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Exterior Material	Brick
Construction Type	Brick
Lot Area	11,761 sqft (0.27 acres)
Lot Dimensions	18.9 ft deep x 6.4 ft wide
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	190 E SAINT CHARLES RD
City	ELMHURST
State	IL
Zip	60126-3554
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	OWNERS ADD TO ELMHURST
Legal Subdivision	OWNERS ADD TO ELMHURST
Legal Lot Number	2
Jurisdiction	DU PAGE IL
Township / Civil Division	YORK
Census Block Group	3
Census Block	3008
Census Tract	844002

Owner

Source: DuPage County records, as of August 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	190 E SAINT CHARLES RD, ELMHURST, IL 60126-3554
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2026	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Jun 27, 2023	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Dec 1, 2022	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Jan 6, 2021	Warranty Deed, Transfer PRAIRIE TITLE
Jul 30, 2018	Deed of Trust, Mortgage · Line of Credit COMMUNITY BK/ELMHURST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 2023 · Amount on Record
Deed Sale	Jun 27, 2023 · Amount on Record
Prior Sale	Jan 6, 2021 · Amount on Record
Deed Document Number	202340220
Prior Transfer Date	Oct 13, 1994
Prior Transfer Doc	0000223692
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	190 E SAINT CHARLES RD, ELMHURST, IL 60126-3554
Transaction Type	Mortgage
Record Updated	Mar 27, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	190 E SAINT CHARLES RD, ELMHURST, IL 60126-3554

Mortgage

Document Number	0000015281
Date	Mar 10, 2026
Instrument	R2026-015281

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.95%

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DU PAGE IL
Recording Date	Jun 27, 2023
Property Address	190 E SAINT CHARLES RD, ELMHURST, IL 60126-3554
Document Number	0000040220
Map Reference	DOC 199775
Instrument Date	Jun 21, 2023
Instrument	R2023-040220
Transaction Type	Transfer
Record Updated	Jul 14, 2023
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$750.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	190 E SAINT CHARLES RD, ELMHURST, IL 60126-3554

Mortgage

Document Number	0000040221
Date	Jun 27, 2023
Instrument	R2023-040221

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.95%

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	190 E SAINT CHARLES RD, ELMHURST, IL 60126-3554
Transaction Type	Mortgage
Record Updated	Dec 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	190 E SAINT CHARLES RD, ELMHURST, IL 60126-3554

Mortgage

Document Number	0000104778
Date	Dec 1, 2022
Instrument	R2022-104778

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Nov 15, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DU PAGE IL
Recording Date	Jan 6, 2021
Property Address	190 E SAINT CHARLES RD, ELMHURST, IL 60126-3554
Document Number	0000002196
Instrument Date	Dec 29, 2020
Instrument	2196
Transaction Type	Transfer
Record Updated	Feb 17, 2021
Title Company	PRAIRIE TITLE

Transaction

Amount	Amount Recorded
Tax	$938.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	190 E SAINT CHARLES RD ELMHURST IL 601263554, ELMHURST, IL 60126-3554

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	190 E SAINT CHARLES RD, ELMHURST, IL 60126-3554
Document Number	0000075652
Instrument Date	Jul 30, 2018
Transaction Type	Mortgage
Record Updated	Aug 29, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	190 E SAINT CHARLES RD ELMHURST IL 601263554, ELMHURST, IL 60126-3554

Mortgage

Document Number	0000075652
Date	Aug 13, 2018
Instrument	75652

Lender

Name	COMMUNITY BK/ELMHURST
Type	Bank
Address	ELMHURST, IL 60126

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	84 Months
Due	Aug 12, 2025

Interest

Rate Type	Adjustable Rate
Rate	5%

Tax Assessment & Valuation

Source: DuPage County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	DuPage County
County Subdivision	York Township
Municipality	Elmhurst City
Unified School District	Elmhurst School District 205 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$15,231.00 (+22%)	$271,175 (+27.99%) Land $116,674 Building $154,501	$813,525 (+27.99%) Land $350,022 Building $463,503
2022	$12,484.00 Homeowner's exemption	$211,880 (+2.55%) Land $96,170 Building $115,710	$635,640 (+2.55%) Land $288,510 Building $347,130
2021		$206,610 Land $93,780 Building $112,830	$619,830 Land $281,340 Building $338,490

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

Source: FEMA National Flood Hazard Layer, effective September 1, 2025 · 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
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (2013)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2013 · Severe Storms, Straight-line Winds, And Flooding

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

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.

Drinking Water

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

Water System	ELMHURST serves 45,000 people · EPA ID IL0430350
Water Source	Purchased surface water from several systems
Last State Inspection	Feb 2025
Lead	6 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 469 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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