321 S 12th St, Saint Charles, IL 60174 Property Records

Kane County property record for 321 S 12th St, Saint Charles, IL 60174

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,125 sqft · built 1954
Lot Size	0.2 acres (8,730 sqft)
Owner	2 Individual Names on File
Last Sale	$205,000 (May 2018)
Tax Bill	$5,942 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-33-207-016`

Property Details

APN / Parcel Number

Primary APN	`09-33-207-016`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,125 sqft Living Area
1st Floor Area	1,125 sqft
Basement Area	1,125 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1969
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,730 sqft (0.2 acres)
Garage Type	Attached
Garage Area	264 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	321 S 12TH ST
City	SAINT CHARLES
State	IL
Zip	60174-2637
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEIGH-JON MANOR UNIT 1 - LOT 11 BLK 1
Legal Subdivision	LEIGH-JON MANOR
Legal Block	1
Legal Lot Number	11
Legal Unit	1
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2003
Census Tract	852203

Owner

321 S 12th St is owned and occupied by two individuals who bought it in May 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	321 S 12TH ST, SAINT CHARLES, IL 60174-2637
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Sep 27, 2022	Deed of Trust, Mortgage · Commercial Mortgage OLD SECOND NATIONAL BANK
Jun 9, 2020	Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
May 18, 2018	Warranty Deed, Subdivision Related Transfer · FHA Mortgage STC CAPITAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2018 · Amount on File
Deed Sale	May 18, 2018 · Amount on File
Prior Sale	Jul 27, 2010 · Amount on File
Deed Document Number	201823352
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	321 S 12TH ST, ST CHARLES, IL 60174-2637
Transaction Type	Mortgage
Record Updated	Oct 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 S 12TH ST, SAINT CHARLES, IL 60174-2637

Mortgage

Document Number	0000047820
Date	Sep 27, 2022
Instrument	2022K047820

Lender

Name	OLD SECOND NATIONAL BANK
Type	Bank
Address	SAINT CHARLES, IL 60174

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	321 S 12TH ST, ST CHARLES, IL 60174-2637
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029922
Date	Jun 9, 2020
Instrument	2020K029922

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Address	BRECKSVILLE, OH 44141

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.25%

May 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 18, 2018
Property Address	321 S 12TH ST, ST CHARLES, IL 60174-2637
Document Number	0000023352
Instrument Date	May 16, 2018
Instrument	2018K023352
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 5, 2022
Title Company	CHICAGO TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$205.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	321 S 12TH ST, SAINT CHARLES, IL 60174-2637

Mortgage

Document Number	0000023353
Date	May 18, 2018
Instrument	2018K023353

Lender

Name	STC CAPITAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

Interest

Rate Type	Fixed Rate
Rate	4.5%

Tax Assessment & Valuation

The 2025 property tax bill for 321 S 12th St was $5,942 with a homeowner's exemption.

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	$5,942.00 Homeowner's exemption	$92,723 (+8.53%) Land $30,312 Building $62,411	$278,280 (+8.53%) Land $90,972 Building $187,308
2024		$85,436 Land $27,930 Building $57,506	$256,411 Land $83,824 Building $172,587
2022	$5,496.00 (+4.33%) Homeowner's exemption	$74,069 (+4.91%) Land $27,669 Building $46,400	$222,207 (+4.91%) Land $83,007 Building $139,200
2021	$5,268.00 Homeowner's exemption	$70,602 Land $26,374 Building $44,228	$211,806 Land $79,122 Building $132,684

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 321 S 12th St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 321 S 12th St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 86% 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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