392 38th Ave, Saint Charles, IL 60174 Property Records

Kane County property record for 392 38th Ave, Saint Charles, IL 60174

Property Summary

Property Type	General Industrial
Details	23,358 sqft · built 1999
Lot Size	1.57 acres (68,389 sqft)
Owner	2 Trust Names on File
Last Sale	$3,055,000 (Mar 2026)
Tax Bill	$52,479 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Mar 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-25-476-045`

Property Details

APN / Parcel Number

Primary APN	`09-25-476-045`

Interior

Stories	1 Story
Building Area	23,358 sqft Gross Area
1st Floor Area	23,358 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Lot Area	68,389 sqft (1.57 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	392 38TH AVE
City	SAINT CHARLES
State	IL
Zip	60174-5458
Property Category	Industrial
Property Type	Industrial > General Industrial
Legal Description	1 EX E11.10
Legal Subdivision	TRANS AM RESUB
Legal Block	4
Legal Lot Number	1
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	4
Census Block	4007
Census Tract	852002

Owner

392 38th Ave, an industrial property, is held in a trust since March 2026.

Source: Kane County records, as of July 21, 2026

Owner of Record	2 Trust Names on File
Mailing Address	35 W WACKER DR, 11, CHICAGO, IL 60601-1637
Owner Type	Company
Vesting	Trust

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
Jul 5, 2022	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF OMAHA
Mar 27, 2026	Warranty Deed, Transfer · Stand-Alone First Mortgage CORNERSTONE NATIONAL BANK & TRUST C
Feb 20, 2018	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF OMAHA
Jun 14, 2022	Special Warranty Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 27, 2026 · Amount on File
Deed Sale	Mar 27, 2026 · Amount on File
Prior Sale	Jun 14, 2022 · Amount on File
Deed Document Number	202612278
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	394 38TH AVE, SAINT CHARLES, IL 60174-5424
Transaction Type	Mortgage
Record Updated	Apr 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034399
Date	Jul 5, 2022
Instrument	2022K034399

Lender

Name	FIRST NATIONAL BANK OF OMAHA
Type	Bank
Address	OMAHA, NE 68197

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Mar 27, 2026
Property Address	394 38TH AVE, SAINT CHARLES, IL 60174-5424
Document Number	0000012278
Map Reference	DOC 94K004987
Instrument Date	Mar 20, 2026
Instrument	2026K012278
Transaction Type	Transfer
Record Updated	Apr 16, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,055.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35 W WACKER DR, CHICAGO, IL 60601-1723

Mortgage

Document Number	0000012279
Date	Mar 27, 2026
Instrument	2026K012279

Lender

Name	CORNERSTONE NATIONAL BANK & TRUST C
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	394 38TH AVE, SAINT CHARLES, IL 60174-5424
Transaction Type	Mortgage
Record Updated	Sep 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007905
Date	Feb 20, 2018
Instrument	2018K007905

Lender

Name	FIRST NATIONAL BANK OF OMAHA
Type	Bank
Address	DEKALB, IL 60115

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 14, 2022
Property Address	394 38TH AVE, SAINT CHARLES, IL 60174-5424
Document Number	0000030986
Map Reference	DOC 94K004987
Instrument Date	Jun 1, 2022
Instrument	2022K030986
Transaction Type	Transfer
Record Updated	Apr 6, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Tax	$2,000.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	140 FIRST ST, BATAVIA, IL 60510-2453

Tax Assessment & Valuation

The 2025 property tax bill for 392 38th Ave was $52,479, up 12.4% from the year before.

Source: Kane County assessment roll, as of August 25, 2025

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$52,479.00 (+12.43%)
2024	$46,677.00	$627,582 Land $114,625 Building $512,957	$1,883,499 Land $344,013 Building $1,539,487
2022	$44,615.00 (+3.85%)	$551,677 (+4.91%) Land $113,556 Building $438,121	$1,655,031 (+4.91%) Land $340,668 Building $1,314,363
2021	$42,959.00	$525,857 Land $108,241 Building $417,616	$1,577,571 Land $324,723 Building $1,252,848

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 392 38th Ave 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

The area around 392 38th Ave has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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 28 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

May also be available: Verizon.

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