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3815 E Main St, Saint Charles, IL 60174 Property Records

Kane County property record for 3815 E Main St, Saint Charles, IL 60174 · Last verified August 2026

Property Summary

Property TypeCommercial
Details25,329 sqft · built 2000
Lot Size2.46 acres (107,158 sqft)
OwnerCompany Name on File
Last Sale$4,000,000 (Dec 2009)
Tax Bill$55,389 (2025)
Deeds & MortgagesOct 2025 Mortgage
Nov 2019 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN09-25-426-011

Property Details

APN / Parcel Number

Primary APN09-25-426-011

Interior

Units14 Units
Stories1 Story
Building Area25,329 sqft Gross Area
1st Floor Area25,329 sqft

Exterior

Year BuiltBuilt 2000
Effective Year BuiltEffective 2000
Lot Area107,158 sqft

Location & Zoning

Street Address3815 E MAIN ST
CitySAINT CHARLES
StateIL
Zip60174-2488
Property CategoryCommercial
Property TypeCommercial > Retail
Legal Description1 INDUSTRIAL DEVELOPMENT
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 09-25-426-011

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
Mar 27, 2020Deed of Trust, Mortgage · Line of Credit
WEST SUBURBAN BK
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
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 Address3815 E MAIN ST, ST CHARLES, IL 60174-2488
Transaction TypeMortgage
Record UpdatedOct 23, 2025
Title CompanyCHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

NameVerified Name

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 Address3815 E MAIN ST, ST CHARLES, IL 60174-2488
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

March 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address3815 E MAIN ST, ST CHARLES, IL 60174-2488
Document Number0000017466
Instrument DateMar 27, 2020
Transaction TypeMortgage
Record UpdatedJun 24, 2020
Title CompanyATTORNEY ONLY

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address3755 E MAIN ST ST CHARLES IL 601742463, ST CHARLES, IL 60174-2463

Mortgage

Document Number0000017466
DateApr 08, 2020
Instrument17466
Lender
NameWEST SUBURBAN BK
TypeBank
AddressLOMBARD, IL 60148
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

March 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionKANE IL
Property Address3815 E MAIN ST, ST CHARLES, IL 60174-2488
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
Address3815 E MAIN ST ST CHARLES IL 601742488, ST CHARLES, IL 60174-2488

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$55,389.00 (-9.86%)$788,250 (+8.53%) Land $432,886 Building $355,364$2,365,696 (+8.53%) Land $1,299,178 Building $1,066,519
2024$726,297 (-4.41%) Land $398,863 Building $327,434$2,179,763 (-4.37%) Land $1,197,068 Building $982,695
2022$61,446.00 (+1.98%)$759,794 (+3.02%) Land $426,754 Building $333,040$2,279,382 (+3.02%) Land $1,280,262 Building $999,120
2021$60,253.00$737,547 Land $406,781 Building $330,766$2,212,641 Land $1,220,343 Building $992,298

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

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

Values are read at the parcel center point; lenders make the official flood determination.

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