320 S 7th St, Saint Charles, IL 60174 Property Records

Kane County property record for 320 S 7th St, Saint Charles, IL 60174

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,569 sqft · built 1923
Lot Size	0.184 acres (8,000 sqft)
Owner	Individual Name on Record
Last Sale	$195,000 (Apr 1998)
Tax Bill	$7,897 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Dec 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-34-115-004`

Property Details

APN / Parcel Number

Primary APN	`09-34-115-004`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,569 sqft Living Area
Basement Area	592 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1969
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,000 sqft (0.184 acres)
Garage Type	Detached
Garage Area	396 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	320 S 7TH ST
City	SAINT CHARLES
State	IL
Zip	60174-2605
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAP AREA: 054-SWMAIN-PRAR
Legal Subdivision	MOODYS ADD
Legal Block	1
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	1
Census Block	1027
Census Tract	852203

Owner

Source: Kane County records, as of July 23, 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	320 S 7TH ST, SAINT CHARLES, IL 60174-2605
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Dec 24, 2019	Deed of Trust, Mortgage · Line of Credit QUICKEN LNS
Jul 21, 2017	Quit Claim Deed, Transfer · Conventional Mortgage BAY EQUITY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 2, 1998 · Amount on Record
Deed Sale	Apr 2, 1998 · Amount on Record
Deed Document Number	199826357
Last Transfer Date	May 24, 2017
Transfer Doc	0000037675
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	320 S 7TH ST, ST CHARLES, IL 60174-2605
Transaction Type	Mortgage
Record Updated	Jul 29, 2021
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000054945
Date	Jul 19, 2021
Instrument	2021K054945

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	320 S 7TH ST, ST CHARLES, IL 60174-2605
Document Number	0000062984
Instrument Date	Dec 24, 2019
Transaction Type	Mortgage
Record Updated	Jan 17, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 S 7TH ST ST CHARLES IL 601742605, ST CHARLES, IL 60174-2605

Mortgage

Document Number	0000062984
Date	Dec 30, 2019
Instrument	62984

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 29, 2049

Interest

Rate Type	Adjustable Rate

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Jul 21, 2017
Property Address	320 S 7TH ST, ST CHARLES, IL 60174-2605
Document Number	0000037675
Instrument Date	May 24, 2017
Instrument	37675
Transaction Type	Transfer
Record Updated	Aug 7, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 S 7TH ST ST CHARLES IL 601742605, ST CHARLES, IL 60174-2605

Mortgage

Document Number	37676
Date	Jul 21, 2017
Instrument	37676

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	SAUSALITO, CA 94965

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 20, 2037

Interest

Rate Type	Fixed Rate
Rate	4.12%

Tax Assessment & Valuation

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	$7,897.00 (+15.03%) Homeowner's exemption	$120,599 (+8.53%) Land $38,396 Building $82,203	$361,942 (+8.53%) Land $115,234 Building $246,708
2024		$111,120 (+22.07%) Land $35,378 Building $75,742	$333,493 (+22.12%) Land $106,176 Building $227,317
2022	$6,865.00 (+4.22%) Homeowner's exemption	$91,032 (+4.91%) Land $31,728 Building $59,304	$273,096 (+4.91%) Land $95,184 Building $177,912
2021	$6,587.00 Homeowner's exemption	$86,771 Land $30,243 Building $56,528	$260,313 Land $90,729 Building $169,584

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

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 405 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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