Kane County property record for 3N920 Thornapple Rd, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 3,232 sqft · built 2000 |
| Lot Size | 0.519 acres (22,629 sqft) |
| Owner | 2 Company Names on Record |
| Tax Bill | $13,455 (2025) |
| Deeds & Mortgages | Mar 2024 Transfer Jan 2023 Transfer + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-28-102-004 |
| Primary APN | 09-28-102-004 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,232 sqft Living Area |
| Basement Area | 1,256 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 22,629 sqft (0.519 acres) |
| Garage Type | Attached |
| Garage Area | 757 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 3N920 THORNAPPLE RD |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-5025 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 80 UNIT2 |
| Legal Subdivision | WILDROSE |
| Legal Block | 3 |
| Legal Lot Number | 80 |
| 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 Company Names on Record |
|---|---|
| Mailing Address | 3N920 THOMAPPLE RD, ST CHARLES, IL 60174 |
| Owner Type | Company |
| Vesting | Life Tenant |
| Date | Document |
|---|---|
| Mar 14, 2024 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Jan 20, 2023 | Intrafamily Transfer, Transfer |
| Mar 5, 2020 | Deed of Trust, Mortgage · Line of Credit FIRST AMERICAN BANK |
| Dec 31, 2020 | Deed of Trust, Mortgage · Line of Credit FIRST AMERICAN BANK |
| Sep 11, 2020 | Deed of Trust, Mortgage · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP |
| Sep 20, 2019 | Intrafamily Transfer, Transfer · FHA Mortgage DRAPER & KRAMER MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 20, 2019 |
| Deed Sale | Sep 20, 2019 |
| Prior Sale | May 18, 2000 · Amount on Record |
| Deed Document Number | 201944029 |
| Last Transfer Date | Dec 31, 2022 |
| Transfer Doc | 0000002147 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Mar 14, 2024 |
| Property Address | 3N920 THORNAPPLE RD, ST CHARLES, IL 60174-5025 |
| Document Number | 0000008413 |
| Instrument Date | Mar 13, 2024 |
| Instrument | 2024K008413 |
| Transaction Type | Transfer |
| Record Updated | Mar 20, 2024 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 3N920 THOMAPPLE ROAD, SAINT CHARLES, IL 60174 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jan 20, 2023 |
| Property Address | 3N920 THORNAPPLE RD, ST CHARLES, IL 60174-5025 |
| Document Number | 0000002147 |
| Instrument Date | Dec 31, 2022 |
| Instrument | 2023K002147 |
| Transaction Type | Transfer |
| Record Updated | Jan 27, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 3N920 THORNAPPLE RD, SAINT CHARLES, IL 60174-5025 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 3N920 THORNAPPLE RD, ST CHARLES, IL 60174-5025 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000011829 |
|---|---|
| Date | Mar 5, 2020 |
| Instrument | 2020K011829 |
| Name | FIRST AMERICAN BANK |
|---|---|
| Type | Bank |
| Address | HAMPSHIRE, IL 60140 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Mar 1, 2030 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.75% |
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 3N920 THORNAPPLE RD, ST CHARLES, IL 60174-5025 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000082408 |
|---|---|
| Date | Dec 31, 2020 |
| Instrument | 2020K082408 |
| Name | FIRST AMERICAN BANK |
|---|---|
| Type | Bank |
| Address | HAMPSHIRE, IL 60140 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 3N920 THORNAPPLE RD, ST CHARLES, IL 60174-5025 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ACQUEST TITLE SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0000052238 |
|---|---|
| Date | Sep 11, 2020 |
| Instrument | 2020K052238 |
| Name | DRAPER & KRAMER MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | DOWNERS GROVE, IL 60515 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 1, 2035 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.37% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Sep 20, 2019 |
| Property Address | 3N920 THORNAPPLE RD, ST CHARLES, IL 60174-5025 |
| Document Number | 0000044029 |
| Instrument Date | Sep 14, 2019 |
| Instrument | 2019K044029 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 3N920 THORNAPPLE RD, SAINT CHARLES, IL 60174-5025 |
| Document Number | 0000044083 |
|---|---|
| Date | Sep 20, 2019 |
| Instrument | 2019K044083 |
| Name | DRAPER & KRAMER MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2034 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.37% |
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 | $13,455.00 (+8.93%) | $209,535 (+8.53%) Land $63,150 Building $146,385 | $628,857 (+8.53%) Land $189,526 Building $439,331 |
| 2024 | $193,067 (+15.27%) Land $58,187 Building $134,880 | $579,433 (+15.32%) Land $174,631 Building $404,802 | |
| 2022 | $12,352.00 (+6.03%) Homeowner's exemption | $167,489 (+4.91%) Land $54,761 Building $112,728 | $502,467 (+4.91%) Land $164,283 Building $338,184 |
| 2021 | $11,650.00 Homeowner's exemption | $159,650 Land $52,198 Building $107,452 | $478,950 Land $156,594 Building $322,356 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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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