304 S 4th Ave, Saint Charles, IL 60174 Property Records

Kane County property record for 304 S 4th Ave, Saint Charles, IL 60174

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,071 sqft · built 1900
Lot Size	0.103 acres (4,500 sqft)
Owner	2 Individual Names on File
Last Sale	$245,000 (Oct 2022)
Tax Bill	$7,174 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-34-207-001`

Property Details

APN / Parcel Number

Primary APN	`09-34-207-001`

Interior

Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,071 sqft Living Area
Basement Area	1,218 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1969
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,500 sqft (0.103 acres)
Garage Type	Attached
Garage Area	594 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	304 S 4TH AVE
City	SAINT CHARLES
State	IL
Zip	60174-2916
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAP AREA: 171-CONVAPARTMENTS
Legal Subdivision	MINARD FERSON&HUNTS
Legal Block	1
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	1
Census Block	1052
Census Tract	852300

Owner

Source: Kane County assessment roll, 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	2 Individual Names on File
Mailing Address	38W785 LOOKOUT LN, SAINT CHARLES, IL 60175-6116
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 17, 2022 · Amount on Record
Deed Sale	Oct 17, 2022 · Amount on Record
Deed Document Number	202250706
Record Updated	Sep 20, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 17, 2022
Property Address	304 S 4TH AVE, ST CHARLES, IL 60174-2916
Document Number	0000050706
Instrument Date	Sep 20, 2022
Instrument	2022K050706
Transaction Type	Transfer
Record Updated	Oct 21, 2022
Title Company	CITYWIDE TITLE CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$245.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	38W785 LOOKOUT LN, SAINT CHARLES, IL 60175-6116

Mortgage

Document Number	0000052929
Date	Oct 31, 2022
Instrument	2022K052929

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

Interest

Rate	7.5%

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	$7,174.00 (+3.55%)	$102,303 (+8.53%) Land $28,008 Building $74,295	$307,032 (+8.53%) Land $84,058 Building $222,974
2024		$94,263 (+9.85%) Land $25,807 Building $68,456	$282,902 (+9.89%) Land $77,452 Building $205,450
2022	$6,928.00 (+5.21%)	$85,812 (+6.28%) Land $23,242 Building $62,570	$257,436 (+6.28%) Land $69,726 Building $187,710
2021	$6,585.00	$80,741 Land $21,099 Building $59,642	$242,223 Land $63,297 Building $178,926

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 · 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	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 2 claims Severe Storms And Flooding, Sep 2008 · 7 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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 492 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Holdings Fiber	5,120 / 5,120
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20