Kane County property record for 3N826 Thornapple Rd, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,088 sqft · built 1971 |
| Lot Size | 0.559 acres (24,361 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $290,000 (Feb 2017) |
| Tax Bill | $9,856 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage Jan 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-28-102-008 |
| Primary APN | 09-28-102-008 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,088 sqft Living Area |
| Basement Area | 888 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1974 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 24,361 sqft (0.559 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 3N826 THORNAPPLE RD |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-5078 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MAP AREA: 052-WILDROSE,OLD QRY |
| Legal Subdivision | WILDROSE |
| Legal Block | 3 |
| Legal Lot Number | 84 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 852103 |
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 | 3N826 THORNAPPLE RD, SAINT CHARLES, IL 60174-5078 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jan 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MIDWEST COMMUNITY BANK |
| Jan 7, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MIDWEST COMMUNITY BANK |
| Feb 1, 2017 | Intrafamily Transfer, Transfer · Conventional Mortgage FIRST FEDERAL SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 1, 2017 · Amount on Record |
| Deed Sale | Feb 1, 2017 · Amount on Record |
| Deed Document Number | 20176059 |
| Prior Transfer Date | Jan 31, 2017 |
| Prior Transfer Doc | 0000006059 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 3N826 THORNAPPLE RD, ST CHARLES, IL 60174-5078 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000004026 |
|---|---|
| Date | Jan 19, 2021 |
| Instrument | 2021K004026 |
| Name | MIDWEST COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | FREEPORT, IL 61032 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Dec 1, 2035 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 3N826 THORNAPPLE RD, ST CHARLES, IL 60174-5078 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000000842 |
|---|---|
| Date | Jan 7, 2020 |
| Instrument | 2020K000842 |
| Name | MIDWEST COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | FREEPORT, IL 61032 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 1, 2035 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.25% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Feb 1, 2017 |
| Property Address | 3N826 THORNAPPLE RD, ST CHARLES, IL 60174-5078 |
| Document Number | 0000006059 |
| Instrument Date | Jan 31, 2017 |
| Instrument | 2017K006059 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $290.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 301 N 4TH ST, GENEVA, IL 60134-1309 |
| Document Number | 0000006060 |
|---|---|
| Date | Feb 1, 2017 |
| Instrument | 2017K006060 |
| Name | FIRST FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | OTTAWA, IL 61350 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Feb 1, 2037 |
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 | $9,856.00 (+9.21%) Homeowner's exemption | $155,631 (+8.53%) Land $63,150 Building $92,481 | $467,080 (+8.53%) Land $189,526 Building $277,554 |
| 2024 | $143,399 (+15.65%) Land $58,187 Building $85,212 | $430,369 (+15.69%) Land $174,631 Building $255,738 | |
| 2022 | $9,025.00 (+6.09%) Homeowner's exemption | $123,997 (+4.91%) Land $54,761 Building $69,236 | $371,991 (+4.91%) Land $164,283 Building $207,708 |
| 2021 | $8,507.00 Homeowner's exemption | $118,194 Land $52,198 Building $65,996 | $354,582 Land $156,594 Building $197,988 |
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.
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.
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.
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 |
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