Kane County property record for 312 State St, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,958 sqft · built 1900 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $265,000 (Jan 2006) |
| Tax Bill | $7,427 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-27-353-028 |
| Primary APN | 09-27-353-028 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,958 sqft Living Area |
| Basement Area | 979 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1979 |
| Architectural Style | Victorian |
| Exterior Material | Combination |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Detached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Deck Area | Deck Area |
| Cooling System | Window A/C |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 312 STATE ST |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-3175 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT OF THE SW 1/4 OF SEC 27, TWP 40 N, RANGE 8 E O |
| Legal Block | 2 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 852300 |
312 State St is owned by two individuals who bought it in January 2006.
Source: Kane County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 333 N RANDALL RD, 120, SAINT CHARLES, IL 60174-1500 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 26, 2006 · Amount on File |
| Deed Sale | Jan 26, 2006 · Amount on File |
| Prior Sale | Jun 7, 2004 · Amount on File |
| Deed Document Number | 200610182 |
| Prior Transfer Date | Apr 27, 2001 |
| Prior Transfer Doc | 0000045298 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 312 State St was $7,427.
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 | $7,427.00 | $105,904 (+8.53%) Land $28,292 Building $77,612 | $317,839 (+8.53%) Land $84,910 Building $232,929 |
| 2024 | $97,580 Land $26,068 Building $71,512 | $292,857 Land $78,235 Building $214,622 | |
| 2022 | $6,457.00 (+3.88%) | $79,971 (+4.91%) Land $25,825 Building $54,146 | $239,913 (+4.91%) Land $77,475 Building $162,438 |
| 2021 | $6,216.00 | $76,228 Land $24,616 Building $51,612 | $228,684 Land $73,848 Building $154,836 |
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.
FEMA maps place 312 State St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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.
The area around 312 State St has no burnable land within ember reach, so its wildfire risk is not rated.
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 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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