209 S 3rd St, Saint Charles, IL 60174 Property Records

Kane County property record for 209 S 3rd St, Saint Charles, IL 60174

Property Summary

Property Type	Commercial
Details	1,017 sqft · built 1850
Lot Size	0.17 acres (7,392 sqft)
Owner	Company Name on File
Last Sale	$158,000 (Dec 1996)
Tax Bill	$9,725 (2025)
Deeds & Mortgages	May 2019 Mortgage Apr 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`09-34-113-004`

Property Details

APN / Parcel Number

Primary APN	`09-34-113-004`

Interior

Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,017 sqft Gross Area
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1974
Exterior Material	Brick
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,392 sqft (0.17 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	209 S 3RD ST
City	SAINT CHARLES
State	IL
Zip	60174-2839
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	51 4 S56 51 3 S56
Legal Subdivision	VILLAGE OF STC
Legal Block	2
Legal Lot Number	3,4
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2027
Census Tract	852300

Owner

209 S 3rd St, a commercial property, is owned by a company that acquired it in April 2019.

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

Owner of Record	Company Name on File
Mailing Address	506 BRADLEY CIR, SAINT CHARLES, IL 60174-5565
Owner Type	Company
Vesting	Company

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
May 9, 2019	Deed of Trust, Mortgage · Commercial Mortgage OLD SECOND NATIONAL BANK
Apr 8, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 11, 1996 · Amount on File
Deed Sale	Dec 11, 1996 · Amount on File
Deed Document Number	199687586
Last Transfer Date	Apr 5, 2019
Transfer Doc	0000013457
Record Updated	Oct 29, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	209 S 3RD ST, ST CHARLES, IL 60174-2839
Transaction Type	Mortgage
Record Updated	Aug 5, 2022
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018526
Date	May 9, 2019
Instrument	2019K018526

Lender

Name	OLD SECOND NATIONAL BANK
Type	Bank
Address	AURORA, IL 60506

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	59 Months
Due	Apr 17, 2024

Interest

Rate	6.25%

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Apr 8, 2019
Property Address	209 S 3RD ST, ST CHARLES, IL 60174-2839
Document Number	0000013457
Instrument Date	Apr 5, 2019
Instrument	13457
Transaction Type	Transfer
Record Updated	Apr 17, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	506 BRADLEY CIR ST CHARLES IL 601745565, ST CHARLES, IL 60174-5565

Tax Assessment & Valuation

The 2025 property tax bill for 209 S 3rd St was $9,725.

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	$9,725.00	$119,173 (+8.53%) Land $36,597 Building $82,576	$357,662 (+8.53%) Land $109,835 Building $247,827
2024		$109,807 Land $33,721 Building $76,086	$329,553 Land $101,203 Building $228,349
2022	$9,485.00 (+3.88%)	$101,315 (+4.91%) Land $30,679 Building $70,636	$303,945 (+4.91%) Land $92,037 Building $211,908
2021	$9,131.00	$96,573 Land $29,243 Building $67,330	$289,719 Land $87,729 Building $201,990

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

Flood

FEMA maps place 209 S 3rd St in Zone X, an area of minimal flood risk.

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 10 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	10 in force

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

The area around 209 S 3rd St has no burnable land within ember reach, so its wildfire risk is not rated.

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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