402 S 11th Ave, Saint Charles, IL 60174 Property Records

Kane County property record for 402 S 11th Ave, Saint Charles, IL 60174

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,003 sqft · built 1927
Lot Size	0.152 acres (6,600 sqft)
Owner	2 Individual Names on File
Last Sale	$368,000 (Jul 2024)
Tax Bill	$6,436 (2025)
Deeds & Mortgages	Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-27-490-006`

Property Details

APN / Parcel Number

Primary APN	`09-27-490-006`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,003 sqft Living Area
1st Floor Area	1,003 sqft
Basement Area	1,003 sqft
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1974
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,600 sqft (0.152 acres)
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	402 S 11TH AVE
City	SAINT CHARLES
State	IL
Zip	60174-3114
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WH WILCOS 2ND ADD - LOT 6 BLK 1
Legal Subdivision	WH WILCOS 2ND ADD
Legal Block	1
Legal Lot Number	6
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	4
Census Block	4017
Census Tract	852002

Owner

402 S 11th Ave is owned by two individuals who bought it in July 2024.

Source: Kane County records, as of July 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	147 HIGHLAND AVE, ROCHESTER, MI 48307-1512
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2024 · Amount on File
Deed Sale	Jul 29, 2024 · Amount on File
Prior Sale	Nov 30, 2009 · Amount on File
Deed Document Number	202426344
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	402 S 11TH AVE, ST CHARLES, IL 60174-3114
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000045106
Date	Jun 14, 2021
Instrument	2021K045106

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	237 Months
Due	Mar 1, 2041

Interest

Rate Type	Fixed Rate
Rate	2.75%

Tax Assessment & Valuation

The 2025 property tax bill for 402 S 11th Ave was $6,436.

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,436.00	$100,494 (+8.56%) Land $30,343 Building $70,151	$301,603 (+8.56%) Land $91,065 Building $210,537
2024		$92,569 Land $27,958 Building $64,611	$277,818 Land $83,908 Building $193,911
2022	$5,865.00 (+4.29%) Homeowner's exemption	$78,644 (+4.91%) Land $25,179 Building $53,465	$235,932 (+4.91%) Land $75,537 Building $160,395
2021	$5,624.00 Homeowner's exemption	$74,964 Land $24,001 Building $50,963	$224,892 Land $72,003 Building $152,889

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

FEMA maps place 402 S 11th Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 10 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	3 (1994–2020)
Claims Outside the SFHA	2 of 3
Most Recent Claim	May 2020 · rainfall accumulation

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

The area around 402 S 11th Ave has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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 492 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20