Kane County property record for 35W447 Elder Ave, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,284 sqft · built 1998 |
| Lot Size | 0.287 acres (12,502 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $7,584 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage May 2018 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-10-459-005 |
| Primary APN | 09-10-459-005 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,284 sqft Living Area |
| 1st Floor Area | 2,284 sqft |
| Basement Area | 1,043 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,502 sqft (0.287 acres) |
| Garage Type | Attached |
| Garage Area | 656 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Screened Porch |
|---|---|
| Deck Area | Deck Area |
| Shed | 1 Shed |
| Shed Area | 240 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 35W447 ELDER AVE |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-6537 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MAP AREA: 004-FOXRIVER ESTATE |
| Legal Subdivision | FOX RIVER ESTATES |
| Legal Block | 4 |
| Legal Lot Number | 48-51 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 4 |
| Census Block | 4006 |
| Census Tract | 852001 |
35W447 Elder Ave is owned and occupied by two individuals who acquired it in August 1994.
Source: Kane County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 35W447 ELDER AVE, SAINT CHARLES, IL 60174-6537 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Mar 17, 2022 | Deed of Trust, Mortgage · Conventional Mortgage CITIBANK |
| May 21, 2018 | Deed of Trust, Mortgage · Line of Credit CITIBANK NA |
| Mar 14, 2018 | Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NYS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 19, 1994 |
| Deed Sale | Aug 19, 1994 |
| Deed Document Number | 199464917 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 35W447 ELDER AVE, ST CHARLES, IL 60174-6537 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2022 |
| Title Company | ACQUEST TITLE SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0000014895 |
|---|---|
| Date | Mar 17, 2022 |
| Instrument | 2022K014895 |
| Name | CITIBANK |
|---|---|
| Type | Bank |
| Address | O FALLON, MO 63368 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 176 Months |
| Due | Nov 1, 2036 |
| Rate | 2.37% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 35W447 ELDER AVE, ST CHARLES, IL 60174-6537 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2022 |
| Title Company | SERVICE LINK |
| Name | Verified Name |
|---|
| Document Number | 0000023429 |
|---|---|
| Date | May 21, 2018 |
| Instrument | 2018K023429 |
| Name | CITIBANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 35W447 ELDER AVE, ST CHARLES, IL 60174-6537 |
| Document Number | 0000012799 |
| Instrument Date | Mar 14, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2018 |
| Title Company | ACQUEST TITLE SERVICES LLC |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 35W447 ELDER AVE ST CHARLES IL 601746537, ST CHARLES, IL 60174-6537 |
| Document Number | 0000012799 |
|---|---|
| Date | Mar 20, 2018 |
| Instrument | 12799 |
| Name | CITIBANK NYS |
|---|---|
| Type | Bank |
| Address | O FALLON, MO 63368-2240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Mar 19, 2028 |
The 2025 property tax bill for 35W447 Elder Ave was $7,584 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 |
| Unified School District | St. Charles Community Unit School District 303 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,584.00 Homeowner's exemption | $121,602 (+14.56%) Land $34,354 Building $87,248 | $364,952 (+14.56%) Land $103,103 Building $261,849 |
| 2024 | $106,150 Land $31,654 Building $74,496 | $318,577 Land $95,000 Building $223,577 | |
| 2022 | $6,264.00 (+6.21%) Homeowner's exemption | $87,902 (+4.91%) Land $28,775 Building $59,127 | $263,706 (+4.91%) Land $86,325 Building $177,381 |
| 2021 | $5,898.00 Homeowner's exemption | $83,788 Land $27,428 Building $56,360 | $251,364 Land $82,284 Building $169,080 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 35W447 Elder Ave in Zone X, an area of minimal flood risk, though there have been 36 flood claims nearby since 1978.
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 |
| 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 |
|
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 risk around 35W447 Elder Ave 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 93% of the US · above 42% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 145 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 Fixed Wireless · DSL | 100 / 20 |
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