Kane County property record for 3985 Commerce Dr, Saint Charles, IL 60174
| Property Type | General Industrial |
|---|---|
| Details | 11,457 sqft · built 2001 |
| Lot Size | 0.91 acres (39,640 sqft) |
| Owner | Company Name on File |
| Last Sale | $1,499,500 (Feb 2024) |
| Tax Bill | $25,932 (2025) |
| Deeds & Mortgages | Feb 2024 Sale & Line of Credit Jan 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-36-426-023 |
| Primary APN | 09-36-426-023 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 11,457 sqft Gross Area |
| 1st Floor Area | 11,457 sqft |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Lot Area | 39,640 sqft (0.91 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 3985 COMMERCE DR |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-5327 |
| Property Category | Industrial |
| Property Type | Industrial > General Industrial |
| Legal Description | MAP AREA: 165-INDUST MED |
| Legal Subdivision | SHANAHAN INDUSTRL PK |
| Legal Block | 4 |
| Legal Lot Number | 8 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 4 |
| Census Block | 4045 |
| Census Tract | 852002 |
3985 Commerce Dr, an industrial property, is owned by a company that bought it in February 2024.
Source: Kane County records, as of July 21, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 3935 COMMERCE DR, SAINT CHARLES, IL 60174-5321 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
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 |
|---|---|
| Feb 2, 2024 | Limited Warranty Deed, Transfer · Line of Credit FIRST STATE BANK |
| Jan 11, 2018 | Warranty Deed, Transfer · Commercial Mortgage HOMETOWN NATIONAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 2, 2024 · Amount on File |
| Deed Sale | Feb 2, 2024 · Amount on File |
| Prior Sale | Jan 11, 2018 · Amount on File |
| Deed Document Number | 20243640 |
| Record Updated | Sep 20, 2026 |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Feb 2, 2024 |
| Property Address | 3986 COMMERCE DR, ST CHARLES, IL 60174 |
| Document Number | 0000003640 |
| Map Reference | DOC 1999K048455 |
| Instrument Date | Jan 30, 2024 |
| Instrument | 2024K003640 |
| Transaction Type | Transfer |
| Record Updated | Feb 12, 2024 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,499.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3935 COMMERCE DR, ST CHARLES, IL 60174-5321 |
| Document Number | 0000003641 |
|---|---|
| Date | Feb 2, 2024 |
| Instrument | 2024K003641 |
| Name | FIRST STATE BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Feb 1, 2044 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jan 11, 2018 |
| Property Address | 3986 COMMERCE DR, ST CHARLES, IL 60174 |
| Document Number | 0000001803 |
| Map Reference | DOC1999K048455 |
| Instrument Date | Jan 5, 2017 |
| Instrument | 2018K001803 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2022 |
| Title Company | NORTH AMERICAN TITLE CO |
| Amount | Amount on Record |
|---|---|
| Tax | $950.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 920 HAMPTON CRSE, 920, WEST CHICAGO, IL 60185-5811 |
| Name | Verified Name |
|---|---|
| Address | 3985 COMMERCE DR, SAINT CHARLES, IL 60174-5327 |
| Document Number | 0000001804 |
|---|---|
| Date | Jan 11, 2018 |
| Instrument | 2018K001804 |
| Name | HOMETOWN NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jan 5, 2028 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.55% |
| Change Frequency | Monthly |
The 2025 property tax bill for 3985 Commerce Dr was $25,932, up 12.1% from the year before.
Source: Kane County assessment roll, as of December 26, 2025
| 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 | $25,932.00 (+12.07%) | ||
| 2024 | $23,139.00 | $311,728 Land $66,427 Building $245,301 | $935,558 Land $199,361 Building $736,197 |
| 2022 | $23,867.00 (+3.86%) | $295,608 (+4.91%) Land $65,808 Building $229,800 | $886,824 (+4.91%) Land $197,424 Building $689,400 |
| 2021 | $22,980.00 | $281,773 Land $62,728 Building $219,045 | $845,319 Land $188,184 Building $657,135 |
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 3985 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 3985 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 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.
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 13 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 |
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