3N838 Wild Rose Rd, Saint Charles, IL 60174 Property Records

Kane County property record for 3N838 Wild Rose Rd, Saint Charles, IL 60174

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,582 sqft · built 1965
Lot Size	1.63 acres (71,003 sqft)
Owner	Individual Name on File
Last Sale	$345,000 (Jul 2018)
Tax Bill	$10,368 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-28-130-012`

Property Details

APN / Parcel Number

Primary APN	`09-28-130-012`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,582 sqft Living Area
1st Floor Area	1,582 sqft
Basement Area	750 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1974
Architectural Style	Split Level
Exterior Material	Combination
Roof Type	Gable
Roof Material	Asphalt
Lot Area	71,003 sqft
Garage Area	529 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3N838 WILD ROSE RD
City	SAINT CHARLES
State	IL
Zip	60174-6902
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNIT 2 OF THORNLY - LOT 60
Legal Subdivision	THORNLY
Legal Block	3
Legal Lot Number	60
Legal Unit	2
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	3
Census Block	3010
Census Tract	852103

Owner

3N838 Wild Rose Rd is owned and occupied by an individual who acquired it in December 2024.

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

Owner of Record	Individual Name on File
Mailing Address	3N838 WILD ROSE RD, SAINT CHARLES, IL 60174-6902
Occupancy	Owner Occupied
Owner Type	Individual

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
Jun 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CORP
Jul 3, 2018	Warranty Deed, Transfer · FHA Mortgage FIRST CENTENNIAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 3, 2018 · Amount on File
Deed Sale	Jul 3, 2018 · Amount on File
Prior Sale	Sep 19, 2012 · Amount on File
Deed Document Number	201831783
Last Transfer Date	Dec 23, 2024
Transfer Doc	0000002590
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	3N838 WILD ROSE RD, ST CHARLES, IL 60174-6902
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000030451
Date	Jun 11, 2020
Instrument	2020K030451

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company
Address	AURORA, IL 60506

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 1, 2035

Interest

Rate Type	Fixed Rate
Rate	2.62%

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 3, 2018
Property Address	3N838 WILD ROSE RD, ST CHARLES, IL 60174-6902
Document Number	0000031783
Instrument Date	Jun 23, 2018
Instrument	2018K031783
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CHICAGO TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$345.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	00000

Mortgage

Document Number	0000031784
Date	Jul 3, 2018
Instrument	2018K031784

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 1, 2033

Interest

Rate Type	Fixed Rate
Rate	3.87%

Tax Assessment & Valuation

The 2025 property tax bill for 3N838 Wild Rose Rd was $10,368.

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	$10,368.00	$163,307 (+8.53%) Land $68,787 Building $94,520	$490,117 (+8.53%) Land $206,444 Building $283,673
2024		$150,472 Land $63,381 Building $87,091	$451,597 Land $190,219 Building $261,378
2022	$9,533.00 (+6.09%) Homeowner's exemption	$130,631 (+4.91%) Land $59,908 Building $70,723	$391,893 (+4.91%) Land $179,724 Building $212,169
2021	$8,986.00 Homeowner's exemption	$124,517 Land $57,104 Building $67,413	$373,551 Land $171,312 Building $202,239

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 3N838 Wild Rose Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 3N838 Wild Rose Rd 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 95% of the US · lower than 70% 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.

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 151 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Metronet.

Cell Coverage

5G (outdoors only) and 4G LTE

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