Kane County property record for 324 S 4th St, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,055 sqft · built 1956 |
| Lot Size | 0.107 acres (4,680 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $540,000 (May 2022) |
| Tax Bill | $11,327 (2025) |
| Deeds & Mortgages | May 2022 Sale & Mortgage Jul 2019 Loan Modification + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-34-118-007 |
| Primary APN | 09-34-118-007 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,055 sqft Living Area |
| 1st Floor Area | 1,055 sqft |
| Basement Area | 1,055 sqft |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1969 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 4,680 sqft (0.107 acres) |
| Garage Type | Attached |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 324 S 4TH ST |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-2737 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MAP AREA: 054-SWMAIN-PRAR |
| Legal Subdivision | MOODYS ADD |
| Legal Block | 2 |
| Legal Lot Number | 3 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 2 |
| Census Block | 2035 |
| Census Tract | 852300 |
324 S 4th St is owned and occupied by two individuals who bought it in May 2022.
Source: Kane County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 324 S 4TH ST, SAINT CHARLES, IL 60174-2737 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants in Common |
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 |
|---|---|
| May 2, 2022 | Warranty Deed, Transfer · Conventional Mortgage COMPASS MORTGAGE INC |
| Jul 6, 2019 | Loan Modification, Mortgage TRUST BK |
| Aug 9, 2018 | Trustee's Deed, Construction Loan · Line of Credit TRUST BK |
| Sep 22, 2017 | Warranty Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 2, 2022 · Amount on File |
| Deed Sale | May 2, 2022 · Amount on File |
| Prior Sale | Sep 22, 2017 · Amount on File |
| Deed Document Number | 202223511 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | May 2, 2022 |
| Property Address | 324 S 4TH ST, ST CHARLES, IL 60174-2737 |
| Document Number | 0000023511 |
| Instrument Date | Apr 25, 2022 |
| Instrument | 2022K023511 |
| Transaction Type | Transfer |
| Record Updated | May 6, 2022 |
| Title Company | NOT AVAILABLE, PRECISION TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $540.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 324 S 4TH ST, SAINT CHARLES, IL 60174-2737 |
| Document Number | 0000023512 |
|---|---|
| Date | May 2, 2022 |
| Instrument | 2022K023512 |
| Name | COMPASS MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2052 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 324 S 4TH ST, ST CHARLES, IL 60174-2737 |
| Document Number | 0000032891 |
| Instrument Date | Jul 6, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1N939 SADDLEWOOD DR MAPLE PARK IL 601518588, MAPLE PARK, IL 60151-8588 |
| Document Number | 0000032891 |
|---|---|
| Date | Jul 26, 2019 |
| Instrument | 32891 |
| Name | TRUST BK |
|---|---|
| Type | Bank |
| Address | OLNEY, IL 62450 |
| Term | 12 Months |
|---|---|
| Due | Jul 25, 2020 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Aug 9, 2018 |
| Property Address | 324 S 4TH ST, ST CHARLES, IL 60174-2737 |
| Instrument Date | Jul 6, 2018 |
| Instrument | 38833 |
| Transaction Type | Construction Loan |
| Record Updated | Aug 20, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1N939 SADDLEWOOD DR MAPLE PARK IL 601518588, MAPLE PARK, IL 60151-8588 |
| Document Number | 0000038833 |
|---|---|
| Date | Aug 9, 2018 |
| Instrument | 38833 |
| Name | TRUST BK |
|---|---|
| Type | Bank |
| Address | OLNEY, IL 62450 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Aug 8, 2019 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Sep 22, 2017 |
| Property Address | 324 S 4TH ST, ST CHARLES, IL 60174-2737 |
| Document Number | 0000049768 |
| Instrument Date | Sep 20, 2017 |
| Instrument | 49768 |
| Transaction Type | Transfer |
| Record Updated | Oct 19, 2017 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN |
| Amount | Amount on Record |
|---|---|
| Tax | $180.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1N939 SADDLEWOOD DR MAPLE PARK IL 601518588, MAPLE PARK, IL 60151-8588 |
The 2025 property tax bill for 324 S 4th St was $11,327 with a homeowner's exemption.
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 | $11,327.00 Homeowner's exemption | $171,671 (+8.53%) Land $38,396 Building $133,275 | $515,219 (+8.53%) Land $115,234 Building $399,985 |
| 2024 | $158,178 Land $35,378 Building $122,800 | $474,724 Land $106,176 Building $368,547 | |
| 2022 | $10,110.00 (+3.86%) | $125,221 (+4.91%) Land $31,728 Building $93,493 | $375,663 (+4.91%) Land $95,184 Building $280,479 |
| 2021 | $9,734.00 | $119,360 Land $30,243 Building $89,117 | $358,080 Land $90,729 Building $267,351 |
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 324 S 4th 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 |
| Flood Insurance Cost | Premium on File median of 10 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 10 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.
The area around 324 S 4th St 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 494 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 · Fixed Wireless in parts of the area | 100 / 20 |
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