Kane County property record for 3860 Commerce Dr, Saint Charles, IL 60174
| Property Type | General Industrial |
|---|---|
| Details | 10,952 sqft · built 2001 |
| Lot Size | 0.735 acres (32,017 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $803,500 (Dec 2000) |
| Tax Bill | $23,292 (2025) |
| Deeds & Mortgages | Jan 2019 Loan Modification Oct 2018 Loan Modification + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-36-429-003 |
| Primary APN | 09-36-429-003 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 10,952 sqft Gross Area |
| 1st Floor Area | 10,952 sqft |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Lot Area | 32,017 sqft (0.735 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 3860 COMMERCE DR |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-5323 |
| Property Category | Industrial |
| Property Type | Industrial > General Industrial |
| Legal Description | 3 ARK |
| Legal Subdivision | SHANAHAN INDUSTRL PK |
| Legal Block | 4 |
| Legal Lot Number | 3 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 4 |
| Census Block | 4045 |
| Census Tract | 852002 |
3860 Commerce Dr, an industrial property, is owned by a company that bought it in December 2000.
Source: Kane County records, as of August 31, 2026
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 3842 COTTON GREEN PATH DR, NAPLES, FL 34114-9446 |
| Owner Type | Company |
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 |
|---|---|
| Jan 15, 2019 | Loan Modification, Mortgage ST CHARLES BK&TR |
| Oct 31, 2018 | Loan Modification, Mortgage ST CHARLES BK&TR |
| Feb 5, 2018 | Loan Modification, Mortgage · Line of Credit ST CHARLES BK&TR |
| May 31, 2017 | Deed of Trust, Mortgage · Line of Credit ST CHARLES BK&TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 22, 2000 · Amount on File |
| Deed Sale | Dec 22, 2000 · Amount on File |
| Deed Document Number | 2000102734 |
| Record Updated | Oct 29, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 3860 COMMERCE DR, SAINT CHARLES, IL 60174-5323 |
| Document Number | 0000003540 |
| Instrument Date | Jan 15, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3860 COMMERCE DR ST CHARLES IL 601745323, ST CHARLES, IL 60174-5323 |
| Document Number | 0000003540 |
|---|---|
| Date | Jan 28, 2019 |
| Instrument | 3540 |
| Name | ST CHARLES BK&TR |
|---|---|
| Type | Bank |
| Address | 411 W MAIN ST, ST CHARLES, IL 60174-1815 |
| Amount | Amount on Record |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 3860 COMMERCE DR, SAINT CHARLES, IL 60174-5323 |
| Document Number | 0000059668 |
| Instrument Date | Oct 31, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 21, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3860 COMMERCE DR ST CHARLES IL 601745323, ST CHARLES, IL 60174-5323 |
| Document Number | 0000059668 |
|---|---|
| Date | Dec 12, 2018 |
| Instrument | 59668 |
| Name | ST CHARLES BK&TR |
|---|---|
| Type | Bank |
| Address | 411 W MAIN ST, ST CHARLES, IL 60174-1815 |
| Amount | Amount on Record |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 3860 COMMERCE DR, SAINT CHARLES, IL 60174-5323 |
| Document Number | 0000008169 |
| Instrument Date | Feb 5, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3860 COMMERCE DR ST CHARLES IL 601745323, ST CHARLES, IL 60174-5323 |
| Document Number | 0000008169 |
|---|---|
| Date | Feb 21, 2018 |
| Instrument | 8169 |
| Name | ST CHARLES BK&TR |
|---|---|
| Type | Bank |
| Address | 411 W MAIN ST, ST CHARLES, IL 60174-1815 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 3860 COMMERCE DR, SAINT CHARLES, IL 60174-5323 |
| Document Number | 0000040110 |
| Instrument Date | May 31, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 4, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3860 COMMERCE DR ST CHARLES IL 601745323, ST CHARLES, IL 60174-5323 |
| Document Number | 0000040110 |
|---|---|
| Date | Aug 2, 2017 |
| Instrument | 40110 |
| Name | ST CHARLES BK&TR |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, IL 60174 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 3860 Commerce Dr was $23,292, up 12.3% from the year before.
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | St. Charles Township |
| Municipality | St. Charles City |
| Unified School District | St. Charles Community Unit School District 303 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $23,292.00 (+12.33%) | $332,108 (+18.88%) Land $58,230 Building $273,878 | $996,723 (+18.88%) Land $174,760 Building $821,963 |
| 2024 | $20,736.00 | $279,355 Land $53,653 Building $225,702 | $838,400 Land $161,023 Building $677,377 |
| 2022 | $21,422.00 (+3.86%) | $265,317 (+4.91%) Land $53,152 Building $212,165 | $795,951 (+4.91%) Land $159,456 Building $636,495 |
| 2021 | $20,625.00 | $252,899 Land $50,664 Building $202,235 | $758,697 Land $151,992 Building $606,705 |
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.
FEMA maps place 3860 Commerce Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1994.
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 |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 3 (1994–2020) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | May 2020 · rainfall accumulation |
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 3860 Commerce 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 99.1% of the US · lower than 94% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 55 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 | 100 / 20 |
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