Kane County property record for 404 State Ave, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,111 sqft · built 1885 |
| Lot Size | 0.117 acres (5,100 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $240,000 (Apr 2023) |
| Tax Bill | $5,148 (2025) |
| Deeds & Mortgages | Nov 2023 Transfer Apr 2023 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-27-452-004 |
| Primary APN | 09-27-452-004 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,111 sqft Living Area |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1885 |
|---|---|
| Effective Year Built | Effective 1969 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,100 sqft (0.117 acres) |
| Porch | Open Porch |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 404 STATE AVE |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-2055 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ST. CHARLES ORIGINAL TOWN LOT 5 & THE WLY 1 FT OF LOT 6 BLK 29 |
| Legal Subdivision | ST CHARLES ORIGINAL TOWN |
| Legal Block | 29 |
| Legal Lot Number | 5,6 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 852300 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 404 STATE AVE, SAINT CHARLES, IL 60174-2055 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 16, 2023 | Intrafamily Transfer, Transfer |
| Apr 5, 2023 | Warranty Deed, Transfer FIDELITY NATIONAL TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 5, 2023 · Amount on Record |
| Deed Sale | Apr 5, 2023 · Amount on Record |
| Prior Sale | Feb 20, 2004 · Amount on Record |
| Deed Document Number | 202310673 |
| Last Transfer Date | Nov 16, 2023 |
| Transfer Doc | 0000040407 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Nov 16, 2023 |
| Property Address | 404 STATE AVE, ST CHARLES, IL 60174-2055 |
| Document Number | 0000040407 |
| Instrument Date | Nov 16, 2023 |
| Instrument | 2023K040407 |
| Transaction Type | Transfer |
| Record Updated | Nov 22, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 404 STATE AVE, SAINT CHARLES, IL 60174-2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Apr 5, 2023 |
| Property Address | 404 STATE AVE, ST CHARLES, IL 60174-2055 |
| Document Number | 0000010673 |
| Instrument Date | Mar 31, 2023 |
| Instrument | 2023K010673 |
| Transaction Type | Transfer |
| Record Updated | Apr 12, 2023 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $240.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 404 STATE AVE, SAINT CHARLES, IL 60174-2055 |
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 | $5,148.00 (-7.56%) | $81,416 (+8.53%) Land $28,292 Building $53,124 | $244,346 (+8.53%) Land $84,910 Building $159,436 |
| 2024 | $75,017 (+10.38%) Land $26,068 Building $48,949 | $225,141 (+10.43%) Land $78,235 Building $146,906 | |
| 2022 | $5,569.00 (+5.41%) | $67,960 (+4.91%) Land $25,825 Building $42,135 | $203,880 (+4.91%) Land $77,475 Building $126,405 |
| 2021 | $5,283.00 | $64,779 Land $24,616 Building $40,163 | $194,337 Land $73,848 Building $120,489 |
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.
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 |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 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 |
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