Kane County property record for 302 S 3rd St, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,447 sqft · built 1930 |
| Lot Size | 0.08 acres (3,485 sqft) |
| Owner | Individual Name on File |
| Last Sale | $200,000 (Oct 2021) |
| Tax Bill | $6,151 (2025) |
| Deeds & Mortgages | Oct 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-34-131-001 |
| Primary APN | 09-34-131-001 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,447 sqft Living Area |
| Basement Area | 638 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1969 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 3,485 sqft (0.08 acres) |
| Garage Type | Attached |
| Garage Area | 288 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 302 S 3RD ST |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-3953 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THAT PART OF THE NORTHWEST FRACTIONAL QUARTER OF SECTION 34, TOWNSHIP 40 NORTH RANGE 8 EAST OF THIRD PRINCIPAL MERIDIAN. |
| Legal Block | 2 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 2 |
| Census Block | 2039 |
| Census Tract | 852300 |
302 S 3rd St is owned and occupied by an individual who bought it in October 2021.
Source: Kane County records, as of July 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 302 S 3RD ST, SAINT CHARLES, IL 60174-3953 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 7, 2021 · Amount on File |
| Deed Sale | Oct 7, 2021 · Amount on File |
| Prior Sale | Jun 27, 2001 · Amount on File |
| Deed Document Number | 202175972 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Oct 7, 2021 |
| Property Address | 302 S 3RD ST, SAINT CHARLES, IL 60174-3953 |
| Document Number | 0000075972 |
| Instrument Date | Jun 30, 2021 |
| Instrument | 2021K075972 |
| Transaction Type | Transfer |
| Record Updated | Sep 15, 2022 |
| Title Company | CHICAGO TITLE INSURANCE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $200.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 27634 LIME ST, 27634, BONITA SPRINGS, FL 34135-5731 |
| Name | Verified Name |
|---|---|
| Address | 223 INDIANA ST, SAINT CHARLES, IL 60174-2832 |
| Document Number | 0000075973 |
|---|---|
| Date | Oct 7, 2021 |
| Instrument | 2021K075973 |
| Name | AMERICAN PACIFIC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ROSEVILLE, CA 95661 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.12% |
The 2025 property tax bill for 302 S 3rd St was $6,151 with a homeowner's exemption.
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 | $6,151.00 Homeowner's exemption | $95,709 (+8.53%) Land $32,333 Building $63,376 | $287,242 (+8.53%) Land $97,038 Building $190,204 |
| 2024 | $88,187 Land $29,792 Building $58,395 | $264,667 Land $89,412 Building $175,255 | |
| 2022 | $5,680.00 (-3.84%) Homeowner's exemption | $76,358 (+5.42%) Land $26,194 Building $50,164 | $229,074 (+5.42%) Land $78,582 Building $150,492 |
| 2021 | $5,907.00 | $72,432 Land $24,616 Building $47,816 | $217,296 Land $73,848 Building $143,448 |
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 302 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.
The area around 302 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.
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 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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