Kane County property record for 314 S 4th Ave, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,152 sqft · built 1959 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $330,000 (Apr 2022) |
| Tax Bill | $6,817 (2025) |
| Deeds & Mortgages | Apr 2022 Sale & Mortgage Jan 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-34-207-003 |
| Primary APN | 09-34-207-003 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,152 sqft Living Area |
| 1st Floor Area | 1,152 sqft |
| Basement Area | 1,152 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1974 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,000 sqft (0.115 acres) |
| Garage Type | Detached |
| Garage Area | 280 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | Deck Area |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 314 S 4TH AVE |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-2916 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MAP AREA: 008-SEOLDTWN STC,AVE |
| Legal Subdivision | MINARD FERSON&HUNTS |
| Legal Block | 1 |
| Legal Lot Number | 5,6 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 1 |
| Census Block | 1052 |
| Census Tract | 852300 |
Source: Kane County records · APN 09-34-207-003
Assessment roll updated 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 | 314 S 4TH AVE, SAINT CHARLES, IL 60174-2916 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
| Date | Document |
|---|---|
| Apr 22, 2022 | Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Jan 24, 2022 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| May 01, 2020 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Aug 17, 2018 | Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 22, 2022 · Amount on Record |
| Deed Sale | Apr 22, 2022 · Amount on Record |
| Prior Sale | Aug 17, 2018 · Amount on Record |
| Deed Document Number | 202222052 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Apr 22, 2022 |
| Property Address | 314 S 4TH AVE, ST CHARLES, IL 60174-2916 |
| Document Number | 0000022052 |
| Instrument Date | Apr 22, 2022 |
| Instrument | 2022K022052 |
| Transaction Type | Transfer |
| Record Updated | Apr 28, 2022 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $330.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 314 S 4TH AVE, SAINT CHARLES, IL 60174-2916 |
| Document Number | 0000022053 |
|---|---|
| Date | Apr 22, 2022 |
| Instrument | 2022K022053 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2052 |
| Rate | 3.87% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 314 S 4TH AVE, ST CHARLES, IL 60174-2916 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0000004669 |
|---|---|
| Date | Jan 24, 2022 |
| Instrument | 2022K004669 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 314 S 4TH AVE, ST CHARLES, IL 60174-2916 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | CITYWIDE TITLE CORP |
| Name | Verified Name |
|---|
| Document Number | 0000022019 |
|---|---|
| Date | May 01, 2020 |
| Instrument | 2020K022019 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Apr 01, 2045 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Aug 17, 2018 |
| Property Address | 314 S 4TH AVE, ST CHARLES, IL 60174-2916 |
| Document Number | 0000040340 |
| Instrument Date | Aug 10, 2018 |
| Instrument | 2018K040340 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | ACQUEST TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $245.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 314 S 4TH AVE, SAINT CHARLES, IL 60174-2916 |
| Document Number | 0000040341 |
|---|---|
| Date | Aug 17, 2018 |
| Instrument | 2018K040341 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2048 |
Source: Kane County records · Assessment roll updated 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 | $6,817.00 (+16.47%) Homeowner's exemption | ||
| 2024 | $96,944 (+23.5%) Land $25,807 Building $71,137 | $290,948 (+23.55%) Land $77,452 Building $213,496 | |
| 2022 | $5,853.00 (+4.29%) Homeowner's exemption | $78,496 (+4.91%) Land $23,242 Building $55,254 | $235,488 (+4.91%) Land $69,726 Building $165,762 |
| 2021 | $5,612.00 Homeowner's exemption | $74,822 Land $22,154 Building $52,668 | $224,466 Land $66,462 Building $158,004 |
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 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 |
Based on FCC filings for 492 locations within half a mile of this property.
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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