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3805 E Main St, Saint Charles, IL 60174 Property Records

Kane County property record for 3805 E Main St, Saint Charles, IL 60174 · Last verified August 2026

Property Summary

Property TypeCommercial
Details31,050 sqft · built 1999
Lot Size2.61 acres (114,127 sqft)
OwnerCompany Name on File
Last Sale$4,000,000 (Dec 2009)
Tax Bill$67,899 (2025)
Deeds & MortgagesOct 2025 Mortgage
Nov 2019 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN09-25-426-010

Property Details

APN / Parcel Number

Primary APN09-25-426-010

Interior

Units14 Units
Stories1 Story
Building Area31,050 sqft Gross Area
1st Floor Area31,050 sqft

Exterior

Year BuiltBuilt 1999
Effective Year BuiltEffective 1999
Lot Area114,127 sqft

Location & Zoning

Street Address3805 E MAIN ST
CitySAINT CHARLES
StateIL
Zip60174-2487
Property CategoryCommercial
Property TypeCommercial > Retail
Legal DescriptionTHAT PART OF LOT 1 IN UNIT NUMBER 1C, THE ST CHARLES ILLINOIS INDUSTRIAL DEVELOPMENT OF THE CENTRAL MANUFACTURING DISTRICT, BEING A RESUBDIVISION OF THE EAST 1/2 OF SECTIN 25, TOWNSHIP 40 NORTH, RANGE 8 EAST OF THE THIRD PRINCIPAL MERIDIAN, IN THE CI
Legal SubdivisionSTC INDUSTRIAL DEV
Legal Block4
Legal Lot Number1
JurisdictionKANE IL
Township / Civil DivisionST. CHARLES
Census Block Group4
Census Block4000
Census Tract852002

Owner

Source: Kane County records · APN 09-25-426-010

Assessment roll updated July 23, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on File
Mailing Address3755 E MAIN ST, 175, SAINT CHARLES, IL 60174-2463
Owner TypeCompany
VestingLife Tenant

Deeds, Mortgages & Sale History

DateDocument
Oct 07, 2025Deed of Trust, Mortgage · Non-Conforming Investor Loan
ST CHARLES BANK & TRUST CO NA
Nov 05, 2019Deed of Trust, Mortgage · Commercial Mortgage
WEST SUBURBAN BANK
Apr 08, 2020Deed of Trust, Mortgage · Commercial Mortgage
WEST SUBURBAN BANK
Mar 27, 2020Loan Modification, Mortgage
WEST SUBURBAN BK

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleDec 29, 2009 · Amount on Record
Deed SaleDec 29, 2009 · Amount on Record
Prior SaleMar 07, 2000 · Amount on Record
Deed Document Number200995628
Prior Transfer DateMay 14, 2009
Prior Transfer Doc0000038775
Record UpdatedSep 20, 2026

October 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address3805 E MAIN ST, ST CHARLES, IL 60174-2487
Transaction TypeMortgage
Record UpdatedOct 23, 2025
Title CompanyCHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

NameVerified Name
Address339 S RIVER LN, GENEVA, IL 60134-2753

Mortgage

Document Number0000039192
DateOct 07, 2025
Instrument2025K039192
Lender
NameST CHARLES BANK & TRUST CO NA
TypeBank
AddressSAINT CHARLES, IL 60174
Agreement
TypeNon-Conforming Investor Loan
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

November 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address3805 E MAIN ST, ST CHARLES, IL 60174-2487
Transaction TypeMortgage
Record UpdatedAug 05, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000053376
DateNov 05, 2019
Instrument2019K053376
Lender
NameWEST SUBURBAN BANK
TypeBank
AddressLOMBARD, IL 60148
Agreement
TypeCommercial Mortgage
AmountAmount Recorded

April 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address3805 E MAIN ST, ST CHARLES, IL 60174-2487
Transaction TypeMortgage
Record UpdatedAug 05, 2022
Title CompanySTEWART TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000017466
DateApr 08, 2020
Instrument2020K017466
Lender
NameWEST SUBURBAN BANK
TypeBank
AddressLOMBARD, IL 60148
Agreement
TypeCommercial Mortgage
AmountAmount Recorded

March 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionKANE IL
Property Address3805 E MAIN ST, ST CHARLES, IL 60174-2487
Document Number0000017443
Instrument DateMar 27, 2020
Transaction TypeMortgage
Record UpdatedJun 24, 2020
Title CompanyATTORNEY ONLY

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
Address3805 E MAIN ST ST CHARLES IL 601742487, ST CHARLES, IL 60174-2487

Mortgage

Document Number0000017443
DateApr 08, 2020
Instrument17443
Lender
NameWEST SUBURBAN BK
TypeBank
Address60148 711 S WESTMORE-MEYERS RD, LOMBARD, IL 60148
Agreement
AmountAmount Recorded
Interest
Rate TypeFixed Rate

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated July 23, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionSt. Charles Township
MunicipalitySt. Charles City
Unified School DistrictSt. Charles Community Unit School District 303 (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$67,899.00 (-9.86%)$966,289 (+8.53%) Land $460,898 Building $505,391$2,900,027 (+8.53%) Land $1,383,247 Building $1,516,780
2024$890,342 (-4.41%) Land $424,673 Building $465,669$2,672,095 (-4.37%) Land $1,274,529 Building $1,397,566
2022$75,325.00 (+8.93%)$931,407 (+10.04%) Land $454,369 Building $477,038$2,794,221 (+10.04%) Land $1,363,107 Building $1,431,114
2021$69,150.00$846,456 Land $433,104 Building $413,352$2,539,368 Land $1,299,312 Building $1,240,056

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170898520024, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 10 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies10 in force
Nearby Flood Claims3 (1994–2020)
Claims Outside the SFHA2 of 3
Most Recent ClaimMay 2020, rainfall accumulation

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 28 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Metronet HoldingsFiber5,120 / 5,120
XfinityCable2,000 / 250
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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