308 Walnut St, Saint Charles, IL 60174 Property Records

Kane County property record for 308 Walnut St, Saint Charles, IL 60174

Property Summary

Property Type	Commercial
Details	1,240 sqft · built 1904
Lot Size	0.7 acres (3,032 sqft)
Owner	Company Name on Record
Last Sale	$230,000 (Feb 2026)
Tax Bill	$7,455 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Jan 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-34-104-009`

Property Details

APN / Parcel Number

Primary APN	`09-34-104-009`

Interior

Stories	1 Story
Building Area	1,240 sqft Gross Area
1st Floor Area	1,240 sqft
Basement Area	1,240 sqft

Exterior

Year Built	Built 1904
Effective Year Built	Effective 1986
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,032 sqft (0.7 acres)
Porch	Open Porch

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	308 WALNUT ST
City	SAINT CHARLES
State	IL
Zip	60174-2725
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	PT OF LOT 7 IN BLK 49 OF THE ORIGINAL TOWN OF ST CHARLES DESC IN DOC 2003K107501
Legal Subdivision	ST CHARLES
Legal Block	49
Legal Lot Number	7
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2024
Census Tract	852300

Owner

Source: Kane County records, as of September 2, 2026

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

Owner of Record	Company Name on Record
Mailing Address	3412 ANTOINE PL, SAINT CHARLES, IL 60175-1098
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2026	Warranty Deed, Transfer · Commercial Mortgage AMERICAN COMMUNITY BANK & TRUST
Jan 30, 2020	Warranty Deed, Transfer · Line of Credit STERLING BANK
Oct 19, 2017	Loan Modification, Mortgage ST CHARLES BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 11, 2026 · Amount on Record
Deed Sale	Feb 11, 2026 · Amount on Record
Prior Sale	Feb 22, 2008 · Amount on Record
Deed Document Number	20265727
Record Updated	Oct 29, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Feb 11, 2026
Property Address	308 WALNUT ST, ST CHARLES, IL 60174-2725
Document Number	0000005727
Instrument Date	Feb 9, 2026
Instrument	2026K005727
Transaction Type	Transfer
Record Updated	Feb 20, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$230.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	308 WALNUT ST, SAINT CHARLES, IL 60174-2725

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3412 ANTOINE PL, SAINT CHARLES, IL 60175-1098

Mortgage

Document Number	0000005728
Date	Feb 11, 2026
Instrument	2026K005728

Lender

Name	AMERICAN COMMUNITY BANK & TRUST
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 30, 2020
Property Address	308 WALNUT ST, ST CHARLES, IL 60174-2725
Document Number	0000005572
Instrument Date	Jan 29, 2020
Instrument	2020K005572
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	214 WALNUT ST, 214, ST CHARLES, IL 60174-2836

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	210 S 5TH ST STE 104, 104, SAINT CHARLES, IL 60174-2700

Mortgage

Document Number	0000005573
Date	Jan 30, 2020
Instrument	2020K005573

Lender

Name	STERLING BANK
Type	Bank
Address	SAINT CHARLES, IL 60174

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	36 Months
Due	Jan 29, 2023

Interest

Rate	5%

October 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KANE IL
Property Address	308 WALNUT ST, ST CHARLES, IL 60174-2725
Document Number	0000056782
Instrument Date	Oct 19, 2017
Transaction Type	Mortgage
Record Updated	Nov 28, 2017
Title Company	OLD REPUBLIC TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	214 WALNUT ST ST CHARLES IL 601742836, ST CHARLES, IL 60174-2836

Mortgage

Document Number	0000056782
Date	Oct 30, 2017
Instrument	56782

Lender

Name	ST CHARLES BK&TR
Type	Bank
Address	SAINT CHARLES, IL 60174

Agreement

Amount	Amount Recorded

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	$7,455.00 (+3%)	$91,359 (+8.53%) Land $49,018 Building $42,341	$274,187 (+8.53%) Land $147,113 Building $127,074
2024	$7,238.00 (+2.91%)	$84,178 (+12.05%) Land $45,165 Building $39,013	$252,635 (+12.1%) Land $135,549 Building $117,086
2022	$7,033.00 (+3.88%)	$75,123 (+4.91%) Land $40,269 Building $34,854	$225,369 (+4.91%) Land $120,807 Building $104,562
2021	$6,770.00	$71,607 Land $38,384 Building $33,223	$214,821 Land $115,152 Building $99,669

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
Flood Insurance Cost	Premium on Record 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.

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 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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