3N808 Thornapple Rd, Saint Charles, IL 60174 Property Records

Kane County property record for 3N808 Thornapple Rd, Saint Charles, IL 60174

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,982 sqft · built 1970
Lot Size	0.599 acres (26,114 sqft)
Owner	2 Individual Names on Record
Tax Bill	$11,831 (2025)
Deeds & Mortgages	Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-28-102-009`

Property Details

APN / Parcel Number

Primary APN	`09-28-102-009`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,982 sqft Living Area
Basement Area	1,092 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1974
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	26,114 sqft (0.599 acres)
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Pool Area	720 sqft
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	3N808 THORNAPPLE RD
City	SAINT CHARLES
State	IL
Zip	60174-5078
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 85 IN WILDROSE UNIT NO 2
Legal Subdivision	WILDROSE
Legal Block	3
Legal Lot Number	85
Legal Unit	2
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	3
Census Block	3003
Census Tract	852103

Owner

Source: Kane County records, as of July 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3N808 THORNAPPLE RD, SAINT CHARLES, IL 60174-5078
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 7, 2008
Transfer Doc	0000033946
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	3N808 THORNAPPLE RD, ST CHARLES, IL 60174-5078
Transaction Type	Mortgage
Record Updated	Jul 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000047675
Date	Jun 22, 2021
Instrument	2021K047675

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

Interest

Rate	2.87%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	St. Charles Township
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	$11,831.00 (+9.53%) Homeowner's exemption	$185,206 (+8.53%) Land $63,150 Building $122,056	$555,840 (+8.53%) Land $189,526 Building $366,315
2024		$170,650 (+15.91%) Land $58,187 Building $112,463	$512,155 (+15.96%) Land $174,631 Building $337,524
2022	$10,802.00 (+6.05%) Homeowner's exemption	$147,224 (+4.91%) Land $54,761 Building $92,463	$441,672 (+4.91%) Land $164,283 Building $277,389
2021	$10,186.00 Homeowner's exemption	$140,334 Land $52,198 Building $88,136	$421,002 Land $156,594 Building $264,408

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	3 in force

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

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

Wildfire Risk	Low lower than 96% of the US · lower than 74% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 190 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
AT&T DSL · Fiber in parts of the area	100 / 20