201 Cedar Ave, Saint Charles, IL 60174 Property Records

Kane County property record for 201 Cedar Ave, Saint Charles, IL 60174

Property Summary

Property Type	Commercial
Details	1,606 sqft · built 1900
Lot Size	0.115 acres (5,000 sqft)
Owner	Company Name on Record
Last Sale	$650,000 (Oct 2025)
Tax Bill	$14,910 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Oct 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-27-387-001`

Property Details

APN / Parcel Number

Primary APN	`09-27-387-001`

Interior

Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,606 sqft Gross Area
Basement Area	638 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1992
Exterior Material	Brick
Foundation Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,000 sqft (0.115 acres)
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	201 CEDAR AVE
City	SAINT CHARLES
State	IL
Zip	60174-2025
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	ST. CHARLES ORIGINAL TOWN LOT 4 BLK 3
Legal Subdivision	ST CHARLES ORIGINAL TOWN
Legal Block	3
Legal Lot Number	4
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	1
Census Block	1032
Census Tract	852300

Owner

Source: Kane County records, as of July 23, 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	201 CEDAR AVE, SAINT CHARLES, IL 60174-2025
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Nov 26, 2025	Deed of Trust, Mortgage SMALL BUSINESS GROWTH CORPORATION
Oct 28, 2025	Special Warranty Deed, Transfer · Non-Conforming Investor Loan CIBM BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2025 · Amount on Record
Deed Sale	Oct 28, 2025 · Amount on Record
Prior Sale	Jan 21, 2000 · Amount on Record
Deed Document Number	202542438
Prior Transfer Date	Aug 19, 2003
Prior Transfer Doc	0000013678
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	201 CEDAR AVE, ST CHARLES, IL 60174-2025
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000047017
Date	Nov 26, 2025
Instrument	2025K047017

Lender

Name	SMALL BUSINESS GROWTH CORPORATION
Type	Non-Lending Institution
Address	SPRINGFIELD, IL 62704

Agreement

Amount	Amount Recorded
Term	300 Months
Due	Nov 25, 2050

October 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 28, 2025
Property Address	201 CEDAR AVE, ST CHARLES, IL 60174-2025
Document Number	0000042438
Instrument Date	Oct 28, 2025
Instrument	2025K042438
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$650.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	424 SOUTH ST, GENEVA, IL 60134-2659

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	201 CEDAR AVE, SAINT CHARLES, IL 60174-2025

Mortgage

Document Number	0000042439
Date	Oct 28, 2025
Instrument	2025K042439

Lender

Name	CIBM BANK
Type	Bank

Agreement

Type	Non-Conforming Investor Loan
Amount	Amount Recorded

Mortgage

Document Number	0000042441
Date	Oct 28, 2025
Instrument	2025K042441

Lender

Name	CIBM BANK
Type	Bank
Address	WHEATON, IL 60187

Agreement

Type	Non-Conforming Investor Loan
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$14,910.00 (+3.01%)	$182,708 (+8.53%) Land $80,832 Building $101,876	$548,343 (+8.53%) Land $242,593 Building $305,750
2024	$14,475.00 (+1.59%)	$168,348 (+10.62%) Land $74,479 Building $93,869	$505,246 (+10.66%) Land $223,526 Building $281,720
2022	$14,248.00 (+3.88%)	$152,186 (+4.91%) Land $66,406 Building $85,780	$456,558 (+4.91%) Land $199,218 Building $257,340
2021	$13,716.00	$145,063 Land $63,298 Building $81,765	$435,189 Land $189,894 Building $245,295

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 October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	29 (1979–2020)
Claims Outside the SFHA	5 of 29
Most Recent Claim	May 2020 · rainfall accumulation
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 2 claims Severe Storms And Flooding, Sep 2008 · 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

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 341 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 · Fiber, DSL in parts of the area	100 / 20

May also be available: Frontier.

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