316 Cedar St, Saint Charles, IL 60174 Property Records

Kane County property record for 316 Cedar St, Saint Charles, IL 60174

Property Summary

Property Type	Commercial
Details	2,248 sqft · built 1850
Lot Size	0.2 acres (8,712 sqft)
Owner	Company Name on File
Last Sale	$1,300,000 (Oct 2025)
Tax Bill	$24,601 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage May 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`09-27-357-005`

Property Details

APN / Parcel Number

Primary APN	`09-27-357-005`

Interior

Stories	2 Stories
Building Area	2,248 sqft Gross Area
Basement Area	624 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1992
Exterior Material	Brick
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Detached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	316 CEDAR ST
City	SAINT CHARLES
State	IL
Zip	60174-1834
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	MAP AREA: 160-CONVR BUSN&OFFCE
Legal Subdivision	VILLAGE OF STC
Legal Block	2
Legal Lot Number	6
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2006
Census Tract	852300

Owner

316 Cedar St, a commercial property, is owned by a company that bought it in October 2025.

Source: Kane County records, as of July 23, 2026

Owner of Record	Company Name on File
Mailing Address	1127 YORKSHIRE DR N, SYCAMORE, IL 60178-3235
Owner Type	Company
Vesting	Limited Liability Partnership

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2025	Deed, Transfer · Commercial Mortgage TRUSTBANK
May 27, 2020	Warranty Deed, Transfer CHICAGO LAND AGENCY SERVICES, CHICAGO LAND AGCY SVCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 20, 2025 · Amount on File
Deed Sale	Oct 20, 2025 · Amount on File
Prior Sale	May 27, 2020 · Amount on File
Deed Document Number	202541146
Prior Transfer Date	Apr 10, 2008
Prior Transfer Doc	0000030658
Record Updated	Oct 29, 2026

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	KANE IL
Recording Date	Oct 20, 2025
Property Address	316 CEDAR ST, ST CHARLES, IL 60174-1834
Document Number	0000041146
Instrument Date	Oct 17, 2025
Instrument	2025K041146
Transaction Type	Transfer
Record Updated	Oct 29, 2025
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1127 YORKSHIRE DR N, SYCAMORE, IL 60178-3235

Mortgage

Document Number	0000041147
Date	Oct 20, 2025
Instrument	2025K041147

Lender

Name	TRUSTBANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	60 Months
Due	Oct 17, 2030

Interest

Rate Type	Adjustable Rate

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 27, 2020
Property Address	316 CEDAR ST, ST CHARLES, IL 60174-1834
Document Number	0000027213
Instrument Date	May 8, 2020
Instrument	27213
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	CHICAGO LAND AGENCY SERVICES, CHICAGO LAND AGCY SVCS

Transaction

Amount	Amount on Record
Tax	$540.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	108 7TH PL GENEVA IL 601342100, GENEVA, IL 60134-2100

Tax Assessment & Valuation

The 2025 property tax bill for 316 Cedar St was $24,601, up 3% from the year before.

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$24,601.00 (+3%)	$301,465 (+8.53%) Land $42,253 Building $259,212	$904,757 (+8.53%) Land $126,810 Building $777,947
2024	$23,884.00	$277,771 Land $38,932 Building $238,839	$833,646 Land $116,843 Building $716,804
2022	$22,018.00 (+3.87%)	$235,187 (+4.91%) Land $34,712 Building $200,475	$705,561 (+4.91%) Land $104,136 Building $601,425
2021	$21,197.00	$224,179 Land $33,087 Building $191,092	$672,537 Land $99,261 Building $573,276

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.

Flood

FEMA maps place 316 Cedar St in Zone X, an area of minimal flood risk, within 500 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 500 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.

Wildfire

The area around 316 Cedar 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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