Kane County property record for 3N870 Thornapple Rd, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,153 sqft · built 1969 |
| Lot Size | 0.552 acres (24,046 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $462,000 (Jul 2021) |
| Tax Bill | $12,686 (2025) |
| Deeds & Mortgages | Jul 2021 Sale & Mortgage Feb 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-28-102-006 |
| Primary APN | 09-28-102-006 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,153 sqft Living Area |
| Basement Area | 1,348 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1974 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 24,046 sqft (0.552 acres) |
| Garage Type | Attached |
| Garage Area | 552 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Deck Area | Deck Area |
| Shed | 1 Shed |
| Shed Area | 64 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 3N870 THORNAPPLE RD |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-5078 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 82 OF WILD ROSE UNIT NO. 2 |
| Legal Subdivision | WILD ROSE |
| Legal Block | 3 |
| Legal Lot Number | 82 |
| Legal Unit | 2 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 852103 |
3N870 Thornapple Rd is owned and occupied by two individuals who bought it in July 2021.
Source: Kane County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3N870 THORNAPPLE RD, SAINT CHARLES, IL 60174-5078 |
| 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.
| Date | Document |
|---|---|
| Jul 26, 2021 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Feb 16, 2018 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 26, 2021 · Amount on File |
| Deed Sale | Jul 26, 2021 · Amount on File |
| Prior Sale | Sep 18, 2001 · Amount on File |
| Deed Document Number | 202157148 |
| Prior Transfer Date | May 19, 2020 |
| Prior Transfer Doc | 0000027045 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jul 26, 2021 |
| Property Address | 3N870 THORNAPPLE RD, ST CHARLES, IL 60174-5078 |
| Document Number | 0000057148 |
| Instrument Date | Jun 18, 2021 |
| Instrument | 2021K057148 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $462.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3N870 THORNAPPLE RD, SAINT CHARLES, IL 60174-5078 |
| Document Number | 0000057149 |
|---|---|
| Date | Jul 26, 2021 |
| Instrument | 2021K057149 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 3N870 THORNAPPLE RD, ST CHARLES, IL 60174-5078 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000007735 |
|---|---|
| Date | Feb 16, 2018 |
| Instrument | 2018K007735 |
| Name | FIFTH THIRD BANK |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 25, 2048 |
The 2025 property tax bill for 3N870 Thornapple Rd was $12,686 with a homeowner's exemption.
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 | $12,686.00 Homeowner's exemption | $198,016 (+8.53%) Land $63,150 Building $134,866 | $594,286 (+8.53%) Land $189,526 Building $404,760 |
| 2024 | $182,453 Land $58,187 Building $124,266 | $547,578 Land $174,631 Building $372,947 | |
| 2022 | $11,411.00 (+6.04%) Homeowner's exemption | $155,183 (+4.91%) Land $54,761 Building $100,422 | $465,549 (+4.91%) Land $164,283 Building $301,266 |
| 2021 | $10,761.00 Homeowner's exemption | $147,920 Land $52,198 Building $95,722 | $443,760 Land $156,594 Building $287,166 |
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 3N870 Thornapple 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 risk around 3N870 Thornapple 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 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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