Kane County property record for 304 Cedar Ave, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 3,584 sqft · built 1840 |
| Lot Size | 0.287 acres (12,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $510,000 (Jul 2021) |
| Tax Bill | $15,915 (2025) |
| Deeds & Mortgages | Jul 2021 Sale & Mortgage Sep 2017 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-27-454-002 |
| Primary APN | 09-27-454-002 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 3,584 sqft Living Area |
| Basement Area | 1,473 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1840 |
|---|---|
| Effective Year Built | Effective 1952 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,500 sqft (0.287 acres) |
| Shed | 1 Shed |
| Shed Area | 199 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 304 CEDAR AVE |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-2028 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MAP AREA: 080-EXEMPT |
| Legal Subdivision | STC-ORIGINAL TOWN |
| Legal Block | 1 |
| Legal Lot Number | 3-6 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 852300 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Individually Listed | Hunt House listed 1982 · 1 contributing resources · NRIS 82000397 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Kane County records, as of July 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 304 CEDAR AVE, SAINT CHARLES, IL 60174-2028 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jul 23, 2021 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Sep 28, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CHERRY CREEK MORTGAGE CO INC |
| Dec 10, 2018 | Deed of Trust, Mortgage · Conventional Mortgage CHERRY CREEK MORTGAGE CO INC |
| Aug 29, 2019 | Deed of Trust, Mortgage · Conventional with PMI SOVEREIGN LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 23, 2021 · Amount on File |
| Deed Sale | Jul 23, 2021 · Amount on File |
| Deed Document Number | 202156644 |
| Prior Transfer Date | Jul 25, 2016 |
| Prior Transfer Doc | 0000045743 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jul 23, 2021 |
| Property Address | 304 CEDAR AVE, ST CHARLES, IL 60174-2028 |
| Document Number | 0000056644 |
| Instrument Date | Jul 6, 2021 |
| Instrument | 2021K056644 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | PROPER TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $510.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 304 CEDAR AVE, 304, SAINT CHARLES, IL 60174-2028 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 304 CEDAR AVE, SAINT CHARLES, IL 60174-2028 |
| Document Number | 0000056645 |
|---|---|
| Date | Jul 23, 2021 |
| Instrument | 2021K056645 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.99% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 304 CEDAR AVE, ST CHARLES, IL 60174-2028 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SNP TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0000050900 |
|---|---|
| Date | Sep 28, 2017 |
| Instrument | 2017K050900 |
| Name | CHERRY CREEK MORTGAGE CO INC |
|---|---|
| Type | Mortgage Company |
| Address | ENGLEWOOD, CO 80111 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 304 CEDAR AVE, ST CHARLES, IL 60174-2028 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SNP TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0000059081 |
|---|---|
| Date | Dec 10, 2018 |
| Instrument | 2018K059081 |
| Name | CHERRY CREEK MORTGAGE CO INC |
|---|---|
| Type | Mortgage Company |
| Address | ENGLEWOOD, CO 80112 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 304 CEDAR AVE, ST CHARLES, IL 60174-2028 |
| Document Number | 0000053935 |
| Instrument Date | Aug 29, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 304 CEDAR AVE ST CHARLES IL 601742028, ST CHARLES, IL 60174-2028 |
| Document Number | 0000053935 |
|---|---|
| Date | Nov 7, 2019 |
| Instrument | 53935 |
| Name | SOVEREIGN LNDG |
|---|---|
| Address | COSTA MESA, CA 92626 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 6, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.12% |
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 | $15,915.00 (+0.05%) Homeowner's exemption | $203,022 (+8.53%) Land $36,375 Building $166,647 | $609,310 (+8.53%) Land $109,169 Building $500,141 |
| 2024 | $187,065 (+6.34%) Land $33,516 Building $153,549 | $561,420 (+6.38%) Land $100,588 Building $460,831 | |
| 2022 | $15,907.00 (+255.46%) Homeowner's exemption | $175,911 (-0.88%) Land $33,203 Building $142,708 | $527,733 (-0.88%) Land $99,609 Building $428,124 |
| 2021 | $4,475.00 Homeowner's exemption | $177,475 Land $31,649 Building $145,826 | $532,425 Land $94,947 Building $437,478 |
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.
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 |
| 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.
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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