Kane County property record for 313 S 5th Ave, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 990 sqft · built 1900 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $165,000 (Aug 2020) |
| Tax Bill | $5,237 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Aug 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-34-207-007 |
| Primary APN | 09-34-207-007 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 990 sqft Living Area |
| 1st Floor Area | 990 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Ranch |
| Exterior Material | Combination |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,000 sqft (0.115 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Porch | Enclosed Porch |
| Shed | 1 Shed |
| Shed Area | 64 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 313 S 5TH AVE |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-2924 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 8 IN BLK 22 OF MINARD, FERSON AND HUNTS ADD |
| Legal Subdivision | MINARD FERSON AND HUNTS ADD |
| Legal Block | 22 |
| Legal Lot Number | 8 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 1 |
| Census Block | 1052 |
| Census Tract | 852300 |
Source: Kane County assessment roll, APN 09-34-207-007, as of December 26, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 313 S 5TH AVE, SAINT CHARLES, IL 60174-2924 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 05, 2026 | Deed of Trust, Mortgage · FHA Mortgage MUTUAL OF OMAHA MORTGAGE INC |
| Aug 06, 2020 | Warranty Deed, Transfer FIDELITY NATIONAL TITLE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 06, 2020 · Amount on Record |
| Deed Sale | Aug 06, 2020 · Amount on Record |
| Prior Sale | Nov 10, 2014 · Amount on Record |
| Deed Document Number | 202043772 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 313 S 5TH AVE, ST CHARLES, IL 60174-2924 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 313 S 5TH AVE, SAINT CHARLES, IL 60174-2924 |
| Document Number | 0000008969 |
|---|---|
| Date | Mar 05, 2026 |
| Instrument | 2026K008969 |
| Name | MUTUAL OF OMAHA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.75% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Aug 06, 2020 |
| Property Address | 313 S 5TH AVE, ST CHARLES, IL 60174-2924 |
| Document Number | 0000043772 |
| Instrument Date | May 11, 2020 |
| Instrument | 43772 |
| Transaction Type | Transfer |
| Record Updated | Sep 11, 2020 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $248.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 313 S 5TH AVE ST CHARLES IL 601742924, ST CHARLES, IL 60174-2924 |
Source: Kane County assessment roll as of December 26, 2025 · Last verified July 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) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,237.00 (+9.95%) Homeowner's exemption | ||
| 2024 | $76,179 (+17.21%) Land $25,807 Building $50,372 | $228,628 (+17.26%) Land $77,452 Building $151,176 | |
| 2022 | $4,763.00 (+4.38%) Homeowner's exemption | $64,994 (+4.91%) Land $23,242 Building $41,752 | $194,982 (+4.91%) Land $69,726 Building $125,256 |
| 2021 | $4,563.00 Homeowner's exemption | $61,952 Land $22,154 Building $39,798 | $185,856 Land $66,462 Building $119,394 |
Source: FEMA National Flood Hazard Layer, Kane County (17089C), as of October 8, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170898523001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| 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 |
|
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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: FCC Broadband Data Collection, 492 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Holdings Fiber | 5,120 / 5,120 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
Source: EPA Safe Drinking Water Information System, water system IL0894830, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST CHARLES serves 33,081 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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