Kane County property record for 403 S 4th Ave, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,055 sqft · built 1910 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | 2 Company Names on File |
| Tax Bill | $4,165 (2025) |
| Deeds & Mortgages | Jan 2024 Transfer Apr 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-34-211-004 |
| Primary APN | 09-34-211-004 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,055 sqft Living Area |
| 1st Floor Area | 1,055 sqft |
| Basement Area | 281 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1974 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,000 sqft (0.115 acres) |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 403 S 4TH AVE |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-2917 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MAP AREA: 008-SEOLDTWN STC,AVE |
| Legal Subdivision | MINARD FERSON&HUNTS |
| Legal Block | 1 |
| Legal Lot Number | 1 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 1 |
| Census Block | 1061 |
| Census Tract | 852300 |
Source: Kane County assessment roll, 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 File |
|---|---|
| Mailing Address | 403 S 4TH AVE, SAINT CHARLES, IL 60174-2917 |
| Owner Type | Company |
| Vesting | Life Tenant |
| Date | Document |
|---|---|
| Jan 19, 2024 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Apr 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Apr 1, 2020 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | Dec 12, 2023 |
| Transfer Doc | 0000001960 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jan 19, 2024 |
| Property Address | 403 S 4TH AVE, SAINT CHARLES, IL 60174-2917 |
| Document Number | 0000001960 |
| Instrument Date | Dec 12, 2023 |
| Instrument | 2024K001960 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2024 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 403 S 4TH ST, GENEVA, IL 60134-2608 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 403 S 4TH AVE, SAINT CHARLES, IL 60174-2917 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000030253 |
|---|---|
| Date | Apr 19, 2021 |
| Instrument | 2021K030253 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Apr 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 403 S 4TH AVE, SAINT CHARLES, IL 60174-2917 |
| Document Number | 0000019946 |
| Instrument Date | Apr 1, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 7, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 403 S 4TH AVE ST CHARLES IL 601742917, ST CHARLES, IL 60174-2917 |
| Document Number | 0000019946 |
|---|---|
| Date | Apr 22, 2020 |
| Instrument | 19946 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 21, 2035 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.25% |
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 | $4,165.00 (+10.92%) | $75,390 (+8.53%) Land $28,008 Building $47,382 | $226,261 (+8.53%) Land $84,058 Building $142,203 |
| 2024 | $69,465 (+20.79%) Land $25,807 Building $43,658 | $208,478 (+20.84%) Land $77,452 Building $131,026 | |
| 2022 | $3,755.00 (+16.61%) Homeowner's exemption | $57,509 (+4.91%) Land $23,242 Building $34,267 | $172,527 (+4.91%) Land $69,726 Building $102,801 |
| 2021 | $3,220.00 Homeowner's exemption | $54,817 Land $22,154 Building $32,663 | $164,451 Land $66,462 Building $97,989 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 29 (1979–2020) |
| Claims Outside the SFHA | 5 of 29 |
| Most Recent Claim | May 2020 · rainfall accumulation |
| Claims by Event |
|
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 | Not rated no burnable land within ember reach |
|---|
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 |
| 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.
Source: FCC Broadband Data Collection, based on 492 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Holdings Fiber | 5,120 / 5,120 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
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