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

Kane County property record for 308 S 4th Ave, Saint Charles, IL 60174

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,936 sqft · built 1910
Lot Size	0.103 acres (4,500 sqft)
Owner	Individual Name on File
Tax Bill	$3,171 (2025)
Deeds & Mortgages	Jan 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`09-34-207-002`

Property Details

APN / Parcel Number

Primary APN	`09-34-207-002`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,936 sqft Living Area
Basement Area	934 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1974
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	4,500 sqft (0.103 acres)
Garage Type	Detached
Garage Area	252 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	308 S 4TH AVE
City	SAINT CHARLES
State	IL
Zip	60174-2916
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAP AREA: 008-SEOLDTWN STC,AVE
Legal Subdivision	MINARD FERSON&HUNTS
Legal Block	1
Legal Lot Number	3,4
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	1
Census Block	1052
Census Tract	852300

Owner

Source: Kane County assessment roll, APN 09-34-207-002, as of July 23, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	308 S 4TH AVE, SAINT CHARLES, IL 60174-2916
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	308 S 4TH AVE, ST CHARLES, IL 60174-2916
Document Number	0000004872
Instrument Date	Jan 25, 2018
Transaction Type	Mortgage
Record Updated	Feb 13, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	308 S 4TH AVE ST CHARLES IL 601742916, ST CHARLES, IL 60174-2916

Mortgage

Document Number	0000004872
Date	Jan 30, 2018
Instrument	4872

Lender

Name	FIRST ST BK/ST CHARLES
Type	Bank
Address	SAINT CHARLES, IL 60174

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jan 29, 2023

Interest

Rate Type	Adjustable Rate
Rate	5.5%

Tax Assessment & Valuation

Source: Kane County assessment roll as of July 23, 2026 · Last verified August 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,171.00 (-21.8%) Homeowner's exemption Senior Citizen's exemption	$118,152 (+8.53%) Land $28,008 Building $90,144	$354,598 (+8.53%) Land $84,058 Building $270,540
2024		$108,866 (+17.67%) Land $25,807 Building $83,059	$326,729 (+17.72%) Land $77,452 Building $249,277
2022	$4,055.00 (-1%) Homeowner's exemption	$92,516 (+4.91%) Land $23,242 Building $69,274	$277,548 (+4.91%) Land $69,726 Building $207,822
2021	$4,096.00 Homeowner's exemption	$88,186 Land $22,154 Building $66,032	$264,558 Land $66,462 Building $198,096

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), as of October 8, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170898523001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, 492 locations within half a mile, as of December 31, 2025 · Last verified October 2026

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

Drinking Water

Source: EPA Safe Drinking Water Information System, water system IL0894830, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ST CHARLES serves 33,081 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.