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

DuPage County property record for 196 E Saint Charles Rd, Elmhurst, IL 60126

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,599 sqft · built 1929
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Last Sale	$496,500 (Jun 2019)
Tax Bill	$13,245 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-12-108-006`

Property Details

APN / Parcel Number

Primary APN	`06-12-108-006`

Interior

Bedrooms	3 Beds
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,599 sqft Living Area
Gross Area	2,307 sqft
1st Floor Area	891 sqft
2nd Floor Area	708 sqft
Basement Area	708 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Architectural Style	Colonial
Exterior Material	Brick
Construction Type	Brick
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	18.9 ft deep x 6.4 ft wide
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	196 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 RESUB OF LOT 6 IN BLK 7 OF CHERRY FARM ADDN TO ELMHURST
Legal Subdivision	CHERRY FARM ADD
Legal Block	7
Legal Lot Number	6
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	196 E SAINT CHARLES RD, ELMHURST, IL 60126-3554
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Jun 28, 2019	Warranty Deed, Transfer · Conventional with PMI GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2019 · Amount on Record
Deed Sale	Jun 28, 2019 · Amount on Record
Prior Sale	Oct 13, 2004 · Amount on Record
Deed Document Number	201952157
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	196 E SAINT CHARLES RD, ELMHURST, IL 60126-3554
Transaction Type	Mortgage
Record Updated	Dec 14, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000084630
Date	Jun 2, 2021
Instrument	R2021-084630

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DU PAGE IL
Recording Date	Jun 28, 2019
Property Address	196 E SAINT CHARLES RD, ELMHURST, IL 60126-3554
Document Number	0000052157
Instrument Date	Jun 26, 2019
Instrument	52157
Transaction Type	Transfer
Record Updated	Jul 17, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$744.75
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	196 E SAINT CHARLES RD ELMHURST IL 601263554, ELMHURST, IL 60126-3554

Mortgage

Document Number	52159
Date	Jun 28, 2019
Instrument	52159

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 27, 2049

Interest

Rate Type	Fixed Rate
Rate	4.37%

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	$13,245.00 (+30.47%)	$236,859 (+36.58%) Land $116,674 Building $120,185	$710,577 (+36.58%) Land $350,022 Building $360,555
2022	$10,152.00 Homeowner's exemption	$173,420 Land $96,170 Building $77,250	$520,260 Land $288,510 Building $231,750

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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