Kane County property record for 311 Ohio Ave, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,276 sqft · built 1910 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $365,000 (Jan 2026) |
| Tax Bill | $6,783 (2025) |
| Deeds & Mortgages | Jan 2026 Sale & Mortgage Sep 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-34-211-003 |
| Primary APN | 09-34-211-003 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,276 sqft Living Area |
| Basement Area | 528 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,000 sqft (0.115 acres) |
| Garage Type | Attached |
| Garage Area | 236 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 311 OHIO AVE |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-2954 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MINARD, FERSON & HUNTS ADD - LOT 2 BLK 24 |
| Legal Subdivision | MINARD FERSON&HUNTS ADD |
| Legal Block | 24 |
| Legal Lot Number | 2 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 1 |
| Census Block | 1061 |
| Census Tract | 852300 |
Source: Kane County records, as of July 21, 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 | 5310 N CHESTER AVE, 519, CHICAGO, IL 60656-4919 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jan 14, 2026 | Warranty Deed, Transfer · Conventional Mortgage HOMETRUST MORTGAGE CORP |
| Sep 24, 2019 | Warranty Deed, Transfer · Conventional with PMI GUARANTEED RATE |
| May 10, 2018 | Warranty Deed, Transfer · Conventional with PMI BAXTER CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 14, 2026 · Amount on Record |
| Deed Sale | Jan 14, 2026 · Amount on Record |
| Prior Sale | Sep 24, 2019 · Amount on Record |
| Deed Document Number | 20261901 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jan 14, 2026 |
| Property Address | 311 OHIO AVE, ST CHARLES, IL 60174-2954 |
| Document Number | 0000001901 |
| Instrument Date | Jan 7, 2026 |
| Instrument | 2026K001901 |
| Transaction Type | Transfer |
| Record Updated | Jan 23, 2026 |
| Title Company | BAIRD AND WARNER TITLE SERVICES INC, BAIRD & WARNER TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $365.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 311 OHIO AVE, SAINT CHARLES, IL 60174-2954 |
| Document Number | 0000001902 |
|---|---|
| Date | Jan 14, 2026 |
| Instrument | 2026K001902 |
| Name | HOMETRUST MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Sep 24, 2019 |
| Property Address | 311 OHIO AVE, ST CHARLES, IL 60174-2954 |
| Document Number | 0000044525 |
| Instrument Date | Sep 19, 2019 |
| Instrument | 44525 |
| Transaction Type | Transfer |
| Record Updated | Oct 3, 2019 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $406.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 202 KING WILLIAM ST EAST DUNDEE IL 601181128, EAST DUNDEE, IL 60118-1128 |
| Document Number | 44526 |
|---|---|
| Date | Sep 24, 2019 |
| Instrument | 44526 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 23, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.62% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | May 10, 2018 |
| Property Address | 311 OHIO AVE, ST CHARLES, IL 60174-2954 |
| Document Number | 0000021573 |
| Instrument Date | Apr 23, 2018 |
| Instrument | 21573 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $345.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 311 OHIO AVE ST CHARLES IL 601742954, ST CHARLES, IL 60174-2954 |
| Document Number | 21574 |
|---|---|
| Date | May 10, 2018 |
| Instrument | 21574 |
| Name | BAXTER CU |
|---|---|
| Type | Credit Union |
| Address | VERNON HILLS, IL 60061 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 9, 2048 |
Source: Kane County assessment roll, as of December 26, 2025
| 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 | $6,783.00 (+3.26%) Homeowner's exemption | ||
| 2024 | $6,569.00 (+4.74%) Homeowner's exemption | $96,495 (+15.3%) Land $25,807 Building $70,688 | $289,601 (+15.35%) Land $77,452 Building $212,149 |
| 2022 | $6,272.00 (+4.26%) Homeowner's exemption | $83,688 (+4.91%) Land $23,242 Building $60,446 | $251,064 (+4.91%) Land $69,726 Building $181,338 |
| 2021 | $6,016.00 Homeowner's exemption | $79,771 Land $22,154 Building $57,617 | $239,313 Land $66,462 Building $172,851 |
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 |
|---|---|
| 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 |
|
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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