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

Kane County property record for 321 S 7th St, Saint Charles, IL 60174

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,241 sqft · built 1948
Lot Size	0.182 acres (7,920 sqft)
Owner	2 Individual Names on File
Last Sale	$228,500 (Jan 2008)
Tax Bill	$6,423 (2025)
Deeds & Mortgages	Feb 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-33-229-008`

Property Details

APN / Parcel Number

Primary APN	`09-33-229-008`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,241 sqft Living Area
Basement Area	730 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1969
Architectural Style	Cape Cod
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,920 sqft (0.182 acres)
Garage Type	Attached
Garage Area	215 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Hot Water
Water Source	Commercial

Location & Zoning

Street Address	321 S 7TH ST
City	SAINT CHARLES
State	IL
Zip	60174-2604
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAP AREA: 021-SW 7TH-RNDL
Legal Subdivision	MOODYS ADD
Legal Block	1
Legal Lot Number	10
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	1
Census Block	1028
Census Tract	852203

Owner

321 S 7th St is owned and occupied by two individuals who bought it in January 2008.

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

Owner of Record	2 Individual Names on File
Mailing Address	321 S 7TH ST, SAINT CHARLES, IL 60174-2604
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 2008 · Amount on File
Deed Sale	Jan 15, 2008 · Amount on File
Prior Sale	Feb 22, 1999 · Amount on File
Deed Document Number	20083938
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	321 S 7TH ST, ST CHARLES, IL 60174-2604
Transaction Type	Mortgage
Record Updated	Mar 1, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010332
Date	Feb 22, 2022
Instrument	2022K010332

Lender

Name	MIDWEST COMMUNITY BANK
Type	Bank
Address	FREEPORT, IL 61032

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2037

Interest

Rate Type	Fixed Rate
Rate	3.25%

Tax Assessment & Valuation

The 2025 property tax bill for 321 S 7th St was $6,423 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	$6,423.00 Homeowner's exemption	$99,585 (+8.53%) Land $30,312 Building $69,273	$298,875 (+8.53%) Land $90,972 Building $207,902
2024		$91,758 Land $27,930 Building $63,828	$275,384 Land $83,824 Building $191,561
2022	$5,986.00 (+4.29%) Homeowner's exemption	$80,138 (+4.91%) Land $27,669 Building $52,469	$240,414 (+4.91%) Land $83,007 Building $157,407
2021	$5,740.00 Homeowner's exemption	$76,387 Land $26,374 Building $50,013	$229,161 Land $79,122 Building $150,039

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 7th St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 321 S 7th 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 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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