Kane County property record for 40 Gray St, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,378 sqft · built 1977 |
| Lot Size | 0.207 acres (9,030 sqft) |
| Owner | Individual Name on File |
| Last Sale | $239,000 (Oct 2003) |
| Tax Bill | $8,922 (2025) |
| Deeds & Mortgages | Apr 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-34-452-012 |
| Primary APN | 09-34-452-012 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,378 sqft Living Area |
| Basement Area | 689 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Colonial |
| Exterior Material | Combination |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,030 sqft (0.207 acres) |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | Deck Area |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Well |
| Street Address | 40 GRAY ST |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-4100 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 1 IN PETERS SUB UNIT NO 2 |
| Legal Subdivision | PETERS SUB |
| Legal Block | 3 |
| Legal Lot Number | 1 |
| Legal Unit | 2 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 852201 |
40 Gray St is owned and occupied by an individual who bought it in October 2003.
Source: Kane County records, as of July 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 40 GRAY ST, SAINT CHARLES, IL 60174-4100 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 3, 2003 · Amount on File |
| Deed Sale | Oct 3, 2003 · Amount on File |
| Prior Sale | Sep 16, 1997 · Amount on File |
| Deed Document Number | 2003183129 |
| Prior Transfer Date | Apr 2, 1999 |
| Prior Transfer Doc | 0000037692 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 40 GRAY ST, SAINT CHARLES, IL 60174-4100 |
| Transaction Type | Mortgage |
| Record Updated | Apr 28, 2023 |
| Title Company | HERITAGE TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 40 GRAY ST, SAINT CHARLES, IL 60174-4100 |
| Document Number | 0000012500 |
|---|---|
| Date | Apr 21, 2023 |
| Instrument | 2023K012500 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Mar 25, 2053 |
The 2025 property tax bill for 40 Gray St was $8,922 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 |
| Municipality | St. Charles City |
| Unified School District | St. Charles Community Unit School District 303 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,922.00 Homeowner's exemption | $135,215 (+8.53%) Land $50,521 Building $84,694 | $405,807 (+8.53%) Land $151,624 Building $254,184 |
| 2024 | $124,587 Land $46,550 Building $78,037 | $373,911 Land $139,706 Building $234,205 | |
| 2022 | $8,298.00 (+4.17%) Homeowner's exemption | $108,773 (+4.91%) Land $42,427 Building $66,346 | $326,319 (+4.91%) Land $127,281 Building $199,038 |
| 2021 | $7,966.00 Homeowner's exemption | $103,682 Land $40,441 Building $63,241 | $311,046 Land $121,323 Building $189,723 |
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 40 Gray St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 8, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 40 Gray St 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 99.1% of the US · lower than 94% 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 428 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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