Kane County property record for 316 S 4th Ave, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,775 sqft · built 1920 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $350,000 (May 2021) |
| Tax Bill | $8,280 (2025) |
| Deeds & Mortgages | Sep 2023 Mortgage Aug 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-34-207-004 |
| Primary APN | 09-34-207-004 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,775 sqft Living Area |
| Basement Area | 651 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1974 |
| Exterior Material | Frame/Wood |
| Construction Type | Frame |
| Foundation Type | Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,000 sqft (0.115 acres) |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
| Heating System | Hot Water |
|---|
| Street Address | 316 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, as of October 19, 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 Record |
|---|---|
| Mailing Address | 316 S 4TH AVE, SAINT CHARLES, IL 60174-2916 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 20, 2023 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Aug 22, 2022 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| May 19, 2021 | Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 19, 2021 · Amount on Record |
| Deed Sale | May 19, 2021 · Amount on Record |
| Prior Sale | Nov 8, 1999 · Amount on Record |
| Deed Document Number | 202138960 |
| Prior Transfer Date | May 21, 1999 |
| Prior Transfer Doc | 0000060682 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 316 S 4TH AVE, SAINT CHARLES, IL 60174-2916 |
| Transaction Type | Mortgage |
| Record Updated | Sep 27, 2023 |
| Name | Verified Name |
|---|---|
| Address | 316 S 4TH AVE, SAINT CHARLES, IL 60174-2916 |
| Document Number | 0000032737 |
|---|---|
| Date | Sep 20, 2023 |
| Instrument | 2023K032737 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 333 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 316 S 4TH AVE, SAINT CHARLES, IL 60174-2916 |
| Transaction Type | Mortgage |
| Record Updated | Aug 26, 2022 |
| Name | Verified Name |
|---|---|
| Address | 316 S 4TH AVE, SAINT CHARLES, IL 60174-2916 |
| Document Number | 0000042339 |
|---|---|
| Date | Aug 22, 2022 |
| Instrument | 2022K042339 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 346 Months |
| Due | Jun 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | May 19, 2021 |
| Property Address | 316 S 4TH AVE, SAINT CHARLES, IL 60174-2916 |
| Document Number | 0000038960 |
| Instrument Date | May 12, 2021 |
| Instrument | 2021K038960 |
| Transaction Type | Transfer |
| Record Updated | Jun 3, 2021 |
| Title Company | CHICAGO TITLE COMPANY, CTIC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $350.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 536 PENNSYLVANIA AVE, 536, GLEN ELLYN, IL 60137-4137 |
| Name | Verified Name |
|---|---|
| Address | 316 S 4TH AVE, SAINT CHARLES, IL 60174-2916 |
| Document Number | 0000038961 |
|---|---|
| Date | May 19, 2021 |
| Instrument | 2021K038961 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.75% |
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 | $8,280.00 (+3.13%) Homeowner's exemption | $126,070 (+8.53%) Land $28,008 Building $98,062 | $378,361 (+8.53%) Land $84,058 Building $294,304 |
| 2024 | $8,029.00 (+9.34%) | $116,162 (+19.81%) Land $25,807 Building $90,355 | $348,625 (+19.86%) Land $77,452 Building $271,173 |
| 2022 | $7,343.00 (-2.57%) Homeowner's exemption | $96,955 (+4.91%) Land $23,242 Building $73,713 | $290,865 (+4.91%) Land $69,726 Building $221,139 |
| 2021 | $7,537.00 | $92,417 Land $22,154 Building $70,263 | $277,251 Land $66,462 Building $210,789 |
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 |
| 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 |
|
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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