308 State Ave, Saint Charles, IL 60174 Property Records

Kane County property record for 308 State Ave, Saint Charles, IL 60174

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 2,845 sqft · built 2004
Lot Size	0.118 acres (5,151 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,310,000 (Dec 2017)
Tax Bill	$13,432 (2025)
Deeds & Mortgages	Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-27-451-007`

Property Details

APN / Parcel Number

Primary APN	`09-27-451-007`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,845 sqft Living Area
Basement Area	1,045 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Condo/Apartment
Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,151 sqft (0.118 acres)
Garage Type	Attached
Garage Area	517 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	308 STATE AVE
City	SAINT CHARLES
State	IL
Zip	60174-2053
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FOURTH STATE CONDO - UNIT 308
Legal Subdivision	FOURTH STATE CONDO
Legal Block	1
Legal Lot Number	7,8
Legal Unit	308
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	1
Census Block	1014
Census Tract	852300

Owner

Source: Kane County records, 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 Record
Mailing Address	308 STATE AVE, SAINT CHARLES, IL 60174-2053
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 13, 2017 · Amount on Record
Deed Sale	Dec 13, 2017 · Amount on Record
Deed Document Number	201764690
Record Updated	Oct 29, 2026

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Dec 13, 2017
Property Address	308 STATE AVE, ST CHARLES, IL 60174-2053
Document Number	0000064690
Instrument Date	Dec 4, 2017
Instrument	64690
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$657.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	419 HARVARD CT BARTLETT IL 601037420, BARTLETT, IL 60103-7420

Mortgage

Document Number	64691
Date	Dec 13, 2017
Instrument	64691

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Dec 12, 2027

Interest

Rate Type	Fixed Rate
Rate	3%

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	$13,432.00 (+15.53%) Homeowner's exemption	$201,867 (+8.53%) Land $28,292 Building $173,575	$605,843 (+8.53%) Land $84,910 Building $520,933
2024		$186,001 (+24%) Land $26,068 Building $159,933	$558,226 (+24.05%) Land $78,235 Building $479,991
2022	$11,626.00 (+4.07%) Homeowner's exemption	$150,001 (+4.91%) Land $25,825 Building $124,176	$450,003 (+4.91%) Land $77,475 Building $372,528
2021	$11,171.00 Homeowner's exemption	$142,980 Land $24,616 Building $118,364	$428,940 Land $73,848 Building $355,092

Assessed value is set for property tax purposes, not a market price estimate; it is 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
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	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

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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 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