35W408 Lambert Ave, Saint Charles, IL 60174 Property Records

Kane County property record for 35W408 Lambert Ave, Saint Charles, IL 60174

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,680 sqft · built 1930
Lot Size	0.344 acres (15,000 sqft)
Owner	Individual Name on Record
Last Sale	$240,000 (Apr 2019)
Tax Bill	$6,263 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`09-15-456-003`

Property Details

APN / Parcel Number

Primary APN	`09-15-456-003`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,680 sqft Living Area
1st Floor Area	1,680 sqft
Basement Area	1,680 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1969
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,000 sqft (0.344 acres)
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	35W408 LAMBERT AVE
City	SAINT CHARLES
State	IL
Zip	60174-6747
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAP AREA: 068-RIVRGRVE,PINLNDS
Legal Subdivision	RIVER GROVE
Legal Block	4
Legal Lot Number	27,15
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	4
Census Block	4035
Census Tract	852001

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	35W408 LAMBERT AVE, SAINT CHARLES, IL 60174-6747
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Apr 18, 2019	Warranty Deed, Transfer · Conventional Mortgage KEY MORTGAGE SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 18, 2019 · Amount on Record
Deed Sale	Apr 18, 2019 · Amount on Record
Deed Document Number	201915132
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	35W408 LAMBERT AVE, ST CHARLES, IL 60174-6747
Transaction Type	Mortgage
Record Updated	Oct 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000073490
Date	Sep 28, 2021
Instrument	2021K073490

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	333 Months
Due	Jun 1, 2049

Interest

Rate Type	Fixed Rate
Rate	3.12%

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 18, 2019
Property Address	35W408 LAMBERT AVE, ST CHARLES, IL 60174-6747
Document Number	0000015132
Instrument Date	Apr 5, 2019
Instrument	2019K015132
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
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
Address	35W408 LAMBERT AVE, SAINT CHARLES, IL 60174-6747

Mortgage

Document Number	0000015133
Date	Apr 18, 2019
Instrument	2019K015133

Lender

Name	KEY MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4.75%

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
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	$6,263.00 (+13.05%) Homeowner's exemption	$101,816 (+8.53%) Land $30,312 Building $71,504	$305,570 (+8.53%) Land $90,972 Building $214,598
2024		$93,814 (+19.61%) Land $27,930 Building $65,884	$281,555 (+19.66%) Land $83,824 Building $197,731
2022	$5,540.00 (+6.27%) Homeowner's exemption	$78,430 (+4.91%) Land $27,669 Building $50,761	$235,290 (+4.91%) Land $83,007 Building $152,283
2021	$5,213.00 Homeowner's exemption	$74,759 Land $26,374 Building $48,385	$224,277 Land $79,122 Building $145,155

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	36 (1978–2020)
Claims Outside the SFHA	8 of 36
Most Recent Claim	May 2020 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Sep 2008 · 14 claims

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 97% of the US · lower than 79% 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	HIGHLAND SUBDIVISION private · serves 50 people · EPA ID IL0895530
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2023–2025) 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 109 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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