36W746 E Ridgewood Dr, Saint Charles, IL 60175 Property Records

Kane County property record for 36W746 E Ridgewood Dr, Saint Charles, IL 60175

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,222 sqft · built 1998
Lot Size	1.26 acres (55,321 sqft)
Owner	2 Individual Names on File
Last Sale	$540,000 (Apr 2019)
Tax Bill	$14,404 (2025)
Deeds & Mortgages	May 2020 Mortgage Sep 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-09-176-012`

Property Details

APN / Parcel Number

Primary APN	`09-09-176-012`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,222 sqft Living Area
Basement Area	1,289 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

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	55,321 sqft
Garage Type	Attached
Garage Area	658 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	36W746 E RIDGEWOOD DR
City	SAINT CHARLES
State	IL
Zip	60175-6287
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RED GATE RIDGE UNIT 3 - LOT 94
Legal Subdivision	RED GATE RIDGE
Legal Block	5
Legal Lot Number	94
Legal Unit	3
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	5
Census Block	5025
Census Tract	852103

Owner

36W746 E Ridgewood Dr is owned and occupied by two individuals who bought it in April 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	36W746 E RIDGEWOOD DR, SAINT CHARLES, IL 60175-6287
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
May 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage CHICAGO FINANCIAL SERVICES INC
Sep 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Nov 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage CHICAGO FINANCIAL SERVICES INC
Apr 4, 2019	Warranty Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 4, 2019 · Amount on File
Deed Sale	Apr 4, 2019 · Amount on File
Prior Sale	Aug 4, 2014 · Amount on File
Deed Document Number	201913085
Prior Transfer Date	Sep 4, 2013
Prior Transfer Doc	0000080464
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	36W746 E RIDGEWOOD DR, ST CHARLES, IL 60175-6287
Transaction Type	Mortgage
Record Updated	Aug 5, 2022
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024040
Date	May 12, 2020
Instrument	2020K024040

Lender

Name	CHICAGO FINANCIAL SERVICES INC
Type	Funding / Finance Company
Address	CHICAGO, IL 60642

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Apr 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.25%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	36W746 E RIDGEWOOD DR, ST CHARLES, IL 60175-6287
Transaction Type	Mortgage
Record Updated	Aug 5, 2022
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000045410
Date	Sep 27, 2019
Instrument	2019K045410

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2049

Interest

Rate	3.75%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	36W746 E RIDGEWOOD DR, ST CHARLES, IL 60175-6287
Transaction Type	Mortgage
Record Updated	Aug 5, 2022
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000072200
Date	Nov 23, 2020
Instrument	2020K072200

Lender

Name	CHICAGO FINANCIAL SERVICES INC
Type	Funding / Finance Company
Address	CHICAGO, IL 60642

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.75%

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 4, 2019
Property Address	36W746 E RIDGEWOOD DR, ST CHARLES, IL 60175-6287
Document Number	0000013085
Instrument Date	Mar 12, 2019
Instrument	2019K013085
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$540.00
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	36W746 E RIDGEWOOD DR, SAINT CHARLES, IL 60175-6287

Mortgage

Document Number	0000013086
Date	Apr 4, 2019
Instrument	2019K013086

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2049

Interest

Rate	4.12%

Tax Assessment & Valuation

The 2025 property tax bill for 36W746 E Ridgewood Dr was $14,404 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
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	$14,404.00 Homeowner's exemption	$245,005 (+8.53%) Land $45,767 Building $199,238	$735,309 (+8.53%) Land $137,356 Building $597,953
2024		$225,749 Land $42,170 Building $183,579	$677,518 Land $126,561 Building $550,957
2022	$12,901.00 (+6.02%) Homeowner's exemption	$174,664 (+4.91%) Land $39,701 Building $134,963	$523,992 (+4.91%) Land $119,103 Building $404,889
2021	$12,169.00 Homeowner's exemption	$166,489 Land $37,843 Building $128,646	$499,467 Land $113,529 Building $385,938

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 36W746 E Ridgewood Dr 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 36W746 E Ridgewood Dr 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 97% of the US · lower than 79% 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.

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 127 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

May also be available: AT&T.

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