Kane County property record for 311 S 12th Ave, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,196 sqft · built 1987 |
| Lot Size | 0.152 acres (6,600 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $240,000 (Jun 2019) |
| Tax Bill | $7,141 (2025) |
| Deeds & Mortgages | Feb 2023 Mortgage Jul 2018 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-27-490-014 |
| Primary APN | 09-27-490-014 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,196 sqft Living Area |
| Basement Area | 586 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Colonial |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,600 sqft (0.152 acres) |
| Garage Type | Attached |
| Garage Area | 326 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 |
| Water Source | Commercial |
| Street Address | 311 S 12TH AVE |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-3115 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1 30 WILCOXS SECOND ADD |
| Legal Subdivision | WILCOX WH |
| Legal Block | 4 |
| Legal Lot Number | 30 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 4 |
| Census Block | 4017 |
| Census Tract | 852002 |
Source: Kane County records, as of July 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 311 S 12TH AVE, SAINT CHARLES, IL 60174-3115 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 17, 2023 | Deed of Trust, Mortgage · Commercial Mortgage FIRST AMERICAN BANK |
| Jul 3, 2018 | Deed of Trust, Mortgage · Conventional Mortgage ALLIED FIRST BANK SB |
| Dec 15, 2020 | Quit Claim Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Jun 25, 2019 | Warranty Deed, Transfer · FHA Mortgage NEIGHBORHOOD LOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 25, 2019 · Amount on Record |
| Deed Sale | Jun 25, 2019 · Amount on Record |
| Prior Sale | Apr 12, 2005 · Amount on Record |
| Deed Document Number | 201926692 |
| Prior Transfer Date | Feb 1, 1997 |
| Prior Transfer Doc | 0000039832 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 311 S 12TH AVE, ST CHARLES, IL 60174-3115 |
| Transaction Type | Mortgage |
| Record Updated | Feb 27, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000005087 |
|---|---|
| Date | Feb 17, 2023 |
| Instrument | 2023K005087 |
| Name | FIRST AMERICAN BANK |
|---|---|
| Type | Bank |
| Address | HAMPSHIRE, IL 60140 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Feb 13, 2033 |
| Rate | 7.99% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 311 S 12TH AVE, ST CHARLES, IL 60174-3115 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | WHEATLAND TITLE GUARANTY |
| Name | Verified Name |
|---|
| Document Number | 0000031775 |
|---|---|
| Date | Jul 3, 2018 |
| Instrument | 2018K031775 |
| Name | ALLIED FIRST BANK SB |
|---|---|
| Type | Bank |
| Address | OSWEGO, IL 60543 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.12% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Dec 15, 2020 |
| Property Address | 311 S 12TH AVE, ST CHARLES, IL 60174-3115 |
| Document Number | 0000078417 |
| Instrument Date | Nov 20, 2020 |
| Instrument | 2020K078417 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | CHICAGO TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 311 S 12TH AVE, SAINT CHARLES, IL 60174-3115 |
| Document Number | 0000078418 |
|---|---|
| Date | Dec 15, 2020 |
| Instrument | 2020K078418 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jun 25, 2019 |
| Property Address | 311 S 12TH AVE, ST CHARLES, IL 60174-3115 |
| Document Number | 0000026692 |
| Instrument Date | May 8, 2019 |
| Instrument | 26692 |
| Transaction Type | Transfer |
| Record Updated | Jul 8, 2019 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $360.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 544 E THORNWOOD DR SOUTH ELGIN IL 601773238, SOUTH ELGIN, IL 60177-3238 |
| Document Number | 26693 |
|---|---|
| Date | Jun 25, 2019 |
| Instrument | 26693 |
| Name | NEIGHBORHOOD LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | LOMBARD, IL 60148 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 24, 2049 |
| Rate Type | Fixed Rate |
|---|
Source: Kane County assessment roll, as of July 23, 2026
| 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 | $7,141.00 (+9.68%) | $101,830 (+8.53%) Land $30,343 Building $71,487 | $305,612 (+8.53%) Land $91,065 Building $214,547 |
| 2024 | $93,826 (+16.35%) Land $27,958 Building $65,868 | $281,591 (+16.4%) Land $83,908 Building $197,683 | |
| 2022 | $6,511.00 (+3.86%) | $80,642 (+4.91%) Land $25,179 Building $55,463 | $241,926 (+4.91%) Land $75,537 Building $166,389 |
| 2021 | $6,269.00 | $76,868 Land $24,001 Building $52,867 | $230,604 Land $72,003 Building $158,601 |
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 |
| Flood Insurance Cost | Premium on Record median of 10 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 3 (1994–2020) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | May 2020 · rainfall accumulation |
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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