2115 W Main St, Saint Charles, IL 60174 Property Records

Kane County property record for 2115 W Main St, Saint Charles, IL 60174

Property Summary

Property Type	Commercial
Details	1,125 sqft · built 1975
Lot Size	0.37 acres (16,104 sqft)
Owner	Company Name on Record
Last Sale	$340,000 (Sep 2021)
Tax Bill	$11,290 (2025)
Deeds & Mortgages	Nov 2021 Line of Credit Sep 2021 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`09-33-101-051`

Property Details

APN / Parcel Number

Primary APN	`09-33-101-051`
Alternative APN	`0933101044`

Interior

Stories	1 Story
Building Area	1,125 sqft Gross Area
1st Floor Area	1,125 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Lot Area	16,104 sqft (0.37 acres)

Location & Zoning

Street Address	2115 W MAIN ST
City	SAINT CHARLES
State	IL
Zip	60174-1669
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	THE E 111 FT OF THE W 379 FT OF LT 6 BLOCK 1 OF FAIRVIEW PLAZA UNIT NO 6 (EX PT TAKEN FOR ROAD IN COURT ORDER NO 04 EDK 15)
Legal Subdivision	FAIRVIEW PLAZA
Legal Block	1
Legal Lot Number	6
Legal Unit	6
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	3
Census Block	3030
Census Tract	852203

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	423 S 2ND ST, SAINT CHARLES, IL 60174-2818
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2021	Deed of Trust, Mortgage · Line of Credit THE HARVARD STATE BANK
Sep 20, 2021	Warranty Deed, Transfer · Line of Credit THE HARVARD STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 20, 2021 · Amount on Record
Deed Sale	Sep 20, 2021 · Amount on Record
Deed Document Number	202171212
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	2115 W MAIN ST, ST CHARLES, IL 60174-1669
Transaction Type	Mortgage
Record Updated	Dec 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000089217
Date	Nov 30, 2021
Instrument	2021K089217

Lender

Name	THE HARVARD STATE BANK
Type	Bank
Address	HARVARD, IL 60033

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Nov 18, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 20, 2021
Property Address	2115 W MAIN ST, ST CHARLES, IL 60174-1669
Document Number	0000071212
Instrument Date	Aug 20, 2021
Instrument	2021K071212
Transaction Type	Transfer
Record Updated	Sep 29, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$340.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 S 2ND ST, SAINT CHARLES, IL 60174-2818

Mortgage

Document Number	0000071213
Date	Sep 20, 2021
Instrument	2021K071213

Lender

Name	THE HARVARD STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	59 Months
Due	Aug 20, 2026

Interest

Rate	3.5%

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	$11,290.00 (+2.54%)	$160,977 (+8.53%) Land $97,628 Building $63,349	$483,124 (+8.53%) Land $293,001 Building $190,123
2024	$11,010.00 (+3.47%)	$148,325 (+12.54%) Land $89,955 Building $58,370	$445,153 (+12.58%) Land $269,973 Building $175,180
2022	$10,641.00 (+3.86%)	$131,799 (+4.91%) Land $80,205 Building $51,594	$395,397 (+4.91%) Land $240,615 Building $154,782
2021	$10,246.00	$125,630 Land $76,451 Building $49,179	$376,890 Land $229,353 Building $147,537

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 43 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
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20
Fox Valley Internet Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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