Kane County property record for 3N181 E Mary Ln, Saint Charles, IL 60175
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 1,980 sqft · built 1968 |
| Lot Size | 0.729 acres (31,770 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $230,000 (Aug 2012) |
| Tax Bill | $9,527 (2025) |
| Deeds & Mortgages | Feb 2017 Mortgage Dec 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-30-376-017 |
| Primary APN | 09-30-376-017 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,980 sqft Living Area |
| Basement Area | 690 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1969 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 31,770 sqft (0.729 acres) |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Deck Area | Deck Area |
| Shed | 1 Shed |
| Shed Area | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 3N181 MARY LN |
|---|---|
| City | ST CHARLES |
| State | IL |
| Zip | 60175 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MAP AREA: 014-LKECHRLT,RNBWHIL |
| Legal Subdivision | LAKE CHARLOTTE |
| Legal Block | 2 |
| Legal Lot Number | 8 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 852204 |
3N181 E Mary Ln is owned and occupied by two individuals who bought it in August 2012.
Source: Kane County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3N181 W MARY LN, SAINT CHARLES, IL 60175-7826 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 23, 2017 | Deed of Trust, Mortgage · Conventional Mortgage MIDWEST COMMUNITY BANK |
| Dec 9, 2019 | Deed of Trust, Mortgage · Conventional Mortgage MIDWEST COMMUNITY BANK |
| Jul 27, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MIDWEST COMMUNITY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 3, 2012 · Amount on File |
| Deed Sale | Aug 3, 2012 · Amount on File |
| Deed Document Number | 201250933 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 3N181 E MARY LN, SAINT CHARLES, IL 60175-5502 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000009983 |
|---|---|
| Date | Feb 23, 2017 |
| Instrument | 2017K009983 |
| Name | MIDWEST COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, IL 60174 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Mar 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 3N181 E MARY LN, SAINT CHARLES, IL 60175-5502 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000059400 |
|---|---|
| Date | Dec 9, 2019 |
| Instrument | 2019K059400 |
| Name | MIDWEST COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | FREEPORT, IL 61032 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Dec 1, 2034 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 3N181 E MARY LN, SAINT CHARLES, IL 60175-5502 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000040916 |
|---|---|
| Date | Jul 27, 2020 |
| Instrument | 2020K040916 |
| Name | MIDWEST COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | FREEPORT, IL 61032 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Aug 1, 2035 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.62% |
The 2025 property tax bill for 3N181 E Mary Ln was $9,527 with exemptions applied.
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | St. Charles Township |
| Unified School District | St. Charles Community Unit School District 303 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,527.00 Homeowner's exemption Senior Citizen's exemption | $158,704 (+8.53%) Land $40,417 Building $118,287 | $476,303 (+8.53%) Land $121,300 Building $355,003 |
| 2024 | $146,230 Land $37,240 Building $108,990 | $438,866 Land $111,765 Building $327,101 | |
| 2022 | $8,335.00 (+6.37%) Homeowner's exemption | $119,968 (+4.91%) Land $33,203 Building $86,765 | $359,904 (+4.91%) Land $99,609 Building $260,295 |
| 2021 | $7,836.00 Homeowner's exemption | $114,353 Land $31,649 Building $82,704 | $343,059 Land $94,947 Building $248,112 |
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 3N181 E Mary Ln in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 8, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 3N181 E Mary Ln 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 | 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 26 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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