Kane County property record for 218 S 3rd Ave, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 886 sqft · built 1930 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $220,000 (May 2007) |
| Tax Bill | $6,072 (2025) |
| Deeds & Mortgages | May 2021 Transfer Jan 2024 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-34-202-005 |
| Primary APN | 09-34-202-005 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 886 sqft Living Area |
| 1st Floor Area | 886 sqft |
| Basement Area | 886 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1974 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,000 sqft (0.115 acres) |
| Garage Type | Detached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 218 S 3RD AVE |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-2908 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 5 IN BLK 17 OF THE ORIGINAL TOWN OF ST CHARLES |
| Legal Subdivision | STC-ORIGINAL TOWN |
| Legal Block | 17 |
| Legal Lot Number | 5 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 1 |
| Census Block | 1042 |
| Census Tract | 852300 |
218 S 3rd Ave is owner-occupied and held in a trust since May 2021.
Source: Kane County records, as of July 23, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 218 S 3RD AVE, SAINT CHARLES, IL 60174-2908 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Living Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 11, 2021 | Intrafamily Transfer, Transfer CHICAGO TITLE INSURANCE CO |
| Jan 18, 2024 | Intrafamily Transfer, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Sep 29, 2017 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK WESTERN MICHIGAN |
| Oct 23, 2018 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 14, 2007 · Amount on File |
| Deed Sale | May 14, 2007 · Amount on File |
| Prior Sale | Aug 21, 2003 · Amount on File |
| Deed Document Number | 200751862 |
| Last Transfer Date | May 4, 2021 |
| Transfer Doc | 0000001809 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | May 11, 2021 |
| Property Address | 218 S 3RD AVE, ST CHARLES, IL 60174-2908 |
| Document Number | 0000036730 |
| Instrument Date | May 4, 2021 |
| Instrument | 2021K036730 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | CHICAGO TITLE INSURANCE CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 218 S 3RD AVE, SAINT CHARLES, IL 60174-2908 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jan 18, 2024 |
| Property Address | 218 S 3RD AVE, ST CHARLES, IL 60174-2908 |
| Document Number | 0000001809 |
| Instrument Date | May 4, 2021 |
| Instrument | 2024K001809 |
| Transaction Type | Transfer |
| Record Updated | Feb 2, 2024 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 216 S 3RD AVE, SAINT CHARLES, IL 60174-2908 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 218 S 3RD AVE, ST CHARLES, IL 60174-2908 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000051202 |
|---|---|
| Date | Sep 29, 2017 |
| Instrument | 2017K051202 |
| Name | FIFTH THIRD BANK WESTERN MICHIGAN |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Aug 25, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 218 S 3RD AVE, ST CHARLES, IL 60174-2908 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000051712 |
|---|---|
| Date | Oct 23, 2018 |
| Instrument | 2018K051712 |
| Name | FIFTH THIRD BANK |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Sep 25, 2048 |
The 2025 property tax bill for 218 S 3rd Ave was $6,072.
Source: Kane County assessment roll, as of July 23, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,072.00 | $94,580 (+8.53%) Land $28,008 Building $66,572 | $283,854 (+8.53%) Land $84,058 Building $199,796 |
| 2024 | $87,147 Land $25,807 Building $61,340 | $261,546 Land $77,452 Building $184,094 | |
| 2022 | $4,782.00 (+4.39%) Homeowner's exemption | $74,687 (+4.91%) Land $23,242 Building $51,445 | $224,061 (+4.91%) Land $69,726 Building $154,335 |
| 2021 | $4,581.00 Homeowner's exemption | $71,191 Land $22,154 Building $49,037 | $213,573 Land $66,462 Building $147,111 |
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.
FEMA maps place 218 S 3rd Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|
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.
The area around 218 S 3rd Ave 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 492 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 DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
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