3N875 Thornly Rd, Saint Charles, IL 60174 Property Records

Kane County property record for 3N875 Thornly Rd, Saint Charles, IL 60174

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,114 sqft · built 1968
Lot Size	0.635 acres (27,665 sqft)
Owner	2 Individual Names on Record
Last Sale	$545,000 (Apr 2022)
Tax Bill	$11,556 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-28-129-005`

Property Details

APN / Parcel Number

Primary APN	`09-28-129-005`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,114 sqft Living Area
Basement Area	1,024 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1974
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	27,665 sqft (0.635 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3N875 THORNLY RD
City	SAINT CHARLES
State	IL
Zip	60174-1175
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 117 OF WILD ROSE UNIT 2
Legal Subdivision	WILD ROSE
Legal Block	3
Legal Lot Number	117
Legal Unit	2
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	3
Census Block	3008
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	3N875 THORNLY RD, SAINT CHARLES, IL 60174-1175
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 Sale	Apr 1, 2022 · Amount on Record
Deed Sale	Apr 1, 2022 · Amount on Record
Prior Sale	Jul 6, 2006 · Amount on Record
Deed Document Number	202218111
Prior Transfer Date	Apr 28, 1997
Prior Transfer Doc	0000029599
Record Updated	Oct 29, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 1, 2022
Property Address	3N875 THORNLY RD, ST CHARLES, IL 60174-1175
Document Number	0000018111
Instrument Date	Mar 7, 2022
Instrument	2022K018111
Transaction Type	Transfer
Record Updated	Apr 7, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$545.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3N875 THORNLY RD, 3N875, SAINT CHARLES, IL 60174-1175

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3N875 THORNLY RD, SAINT CHARLES, IL 60174-1175

Mortgage

Document Number	0000018112
Date	Apr 1, 2022
Instrument	2022K018112

Lender

Name	FIRST SAVINGS BANK OF HEGEWISCH
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2052

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	$11,556.00 (+8.45%) Homeowner's exemption	$181,091 (+8.53%) Land $63,150 Building $117,941	$543,490 (+8.53%) Land $189,526 Building $353,965
2024		$166,858 (+14.83%) Land $58,187 Building $108,671	$500,774 (+14.87%) Land $174,631 Building $326,143
2022	$10,656.00 (+8.7%) Homeowner's exemption	$145,314 (+7.41%) Land $54,761 Building $90,553	$435,942 (+7.41%) Land $164,283 Building $271,659
2021	$9,803.00 Homeowner's exemption	$135,293 Land $52,198 Building $83,095	$405,879 Land $156,594 Building $249,285

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

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	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 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