Kane County property record for 318 S 11th Ave, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 939 sqft · built 1924 |
| Lot Size | 0.152 acres (6,600 sqft) |
| Owner | Individual Name on File |
| Last Sale | $317,000 (Jul 2026) |
| Tax Bill | $5,501 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Mar 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-27-490-005 |
| Primary APN | 09-27-490-005 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 939 sqft Living Area |
| Basement Area | 502 sqft |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1924 |
|---|---|
| Effective Year Built | Effective 1974 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,600 sqft (0.152 acres) |
| Garage Type | Detached |
| Garage Area | 222 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 318 S 11TH AVE |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-3112 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MAP AREA: 008-SEOLDTWN STC,AVE |
| Legal Subdivision | WILCOX WH |
| Legal Block | 4 |
| Legal Lot Number | 5 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 4 |
| Census Block | 4017 |
| Census Tract | 852002 |
318 S 11th Ave is owned by an individual who bought it in July 2026.
Source: Kane County records, as of July 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1013 PERDA LN, DES PLAINES, IL 60016-5723 |
| Owner Type | Individual |
| Vesting | Unmarried |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 2, 2026 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE |
| Mar 12, 2021 | Warranty Deed, Transfer · FHA Mortgage CIBM BANK |
| Jun 25, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 2, 2026 · Amount on File |
| Deed Sale | Jul 2, 2026 · Amount on File |
| Prior Sale | Mar 12, 2021 · Amount on File |
| Deed Document Number | 202627862 |
| Prior Transfer Date | Jun 11, 2019 |
| Prior Transfer Doc | 0000026536 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jul 2, 2026 |
| Property Address | 318 S 11TH AVE, SAINT CHARLES, IL 60174-3112 |
| Document Number | 0000027862 |
| Instrument Date | Jun 10, 2026 |
| Instrument | 202627862 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $48,025.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1013 PERDA LN, DES PLAINES, IL 60016-5723 |
| Document Number | 0000027863, |
|---|---|
| Date | Jul 2, 2026 |
| Instrument | 202627863 |
| Name | GUARANTEED RATE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.28% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Mar 12, 2021 |
| Property Address | 318 S 11TH AVE, ST CHARLES, IL 60174-3112 |
| Document Number | 0000019479 |
| Instrument Date | Mar 4, 2021 |
| Instrument | 2021K019479 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | CHICAGO TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $225.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 676 E THORNWOOD DR, 676, SOUTH ELGIN, IL 60177-3239 |
| Name | Verified Name |
|---|---|
| Address | 318 S 11TH AVE, SAINT CHARLES, IL 60174-3112 |
| Document Number | 0000019480 |
|---|---|
| Date | Mar 12, 2021 |
| Instrument | 2021K019480 |
| Name | CIBM BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.25% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jun 25, 2019 |
| Property Address | 318 S 11TH AVE, ST CHARLES, IL 60174-3112 |
| Document Number | 0000026536 |
| Instrument Date | Jun 11, 2019 |
| Instrument | 26536 |
| Transaction Type | Transfer |
| Record Updated | Jul 8, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 318 S 11TH AVE ST CHARLES IL 601743112, ST CHARLES, IL 60174-3112 |
The 2025 property tax bill for 318 S 11th Ave was $5,501, up 3.4% from the year before.
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 | $5,501.00 (+3.44%) Homeowner's exemption | $86,437 (+8.53%) Land $30,343 Building $56,094 | $259,415 (+8.53%) Land $91,065 Building $168,349 |
| 2024 | $5,318.00 | $79,643 Land $27,958 Building $51,685 | $239,025 Land $83,908 Building $155,117 |
| 2022 | $5,028.00 (+4.36%) Homeowner's exemption | $68,273 (+4.91%) Land $25,179 Building $43,094 | $204,819 (+4.91%) Land $75,537 Building $129,282 |
| 2021 | $4,818.00 Homeowner's exemption | $65,078 Land $24,001 Building $41,077 | $195,234 Land $72,003 Building $123,231 |
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 318 S 11th Ave 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 |
| Nearby Flood Claims | 3 (1994–2020) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | May 2020 · rainfall accumulation |
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 318 S 11th Ave 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 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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