3N938 Thornapple Rd, Saint Charles, IL 60174 Property Records

Kane County property record for 3N938 Thornapple Rd, Saint Charles, IL 60174

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,544 sqft · built 1974
Lot Size	0.501 acres (21,835 sqft)
Owner	2 Individual Names on Record
Tax Bill	$10,772 (2025)
Deeds & Mortgages	Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-28-102-003`

Property Details

APN / Parcel Number

Primary APN	`09-28-102-003`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,544 sqft Living Area
Basement Area	1,040 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood
Lot Area	21,835 sqft (0.501 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3N938 THORNAPPLE RD
City	SAINT CHARLES
State	IL
Zip	60174-5025
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	79
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	3
Census Block	3003
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	3N938 THORNAPPLE RD, SAINT CHARLES, IL 60174-5025
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	3N938 THORNAPPLE RD, ST CHARLES, IL 60174-5025
Document Number	0000056882
Instrument Date	Oct 18, 2017
Transaction Type	Mortgage
Record Updated	Dec 8, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3N938 THORNAPPLE RD ST CHARLES IL 601745025, ST CHARLES, IL 60174-5025

Mortgage

Document Number	0000056882
Date	Oct 30, 2017
Instrument	56882

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 29, 2027

Interest

Rate Type	Fixed Rate
Rate	3.37%

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	$10,772.00 (+9.95%) Homeowner's exemption	$169,348 (+8.53%) Land $63,150 Building $106,198	$508,247 (+8.53%) Land $189,526 Building $318,721
2024		$156,038 (+16.37%) Land $58,187 Building $97,851	$468,301 (+16.42%) Land $174,631 Building $293,670
2022	$9,797.00 (+6.07%) Homeowner's exemption	$134,083 (+4.91%) Land $54,761 Building $79,322	$402,249 (+4.91%) Land $164,283 Building $237,966
2021	$9,236.00 Homeowner's exemption	$127,808 Land $52,198 Building $75,610	$383,424 Land $156,594 Building $226,830

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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