405 E Main St, Saint Charles, IL 60174 Property Records

Kane County property record for 405 E Main St, Saint Charles, IL 60174 · Last verified July 2026

Property Summary

Property Type	Commercial
Details	3,190 sqft · built 1979
Lot Size	0.915 acres (39,864 sqft)
Owner	2 Individual Names on File
Last Sale	$1,700,000 (Aug 2008)
Tax Bill	$51,965 (2025)
Deeds & Mortgages	Aug 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`09-27-465-004`

Property Details

APN / Parcel Number

Primary APN	`09-27-465-004`

Interior

Stories	2 Stories
Building Area	3,190 sqft Gross Area
Basement Area	3,190 sqft

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Lot Area	39,864 sqft (0.915 acres)

Location & Zoning

Street Address	405 E MAIN ST
City	SAINT CHARLES
State	IL
Zip	60174-2043
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	MAP AREA: 156-FUNERAL HOME
Legal Subdivision	STC-ORIGINAL TOWN
Legal Block	1
Legal Lot Number	1-8
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	1
Census Block	1035
Census Tract	852300

Owner

Source: Kane County records · APN 09-27-465-004

Assessment roll updated August 25, 2025 · Last verified July 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 File
Mailing Address	405 E MAIN ST, SAINT CHARLES, IL 60174-2043
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 20, 2008 · Amount on Record
Deed Sale	Aug 20, 2008 · Amount on Record
Prior Sale	Aug 20, 2008 · Amount on Record
Deed Document Number	200866814
Record Updated	Sep 20, 2026

August 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KANE IL
Property Address	405 E MAIN ST, SAINT CHARLES, IL 60174-2043
Document Number	0000044851
Instrument Date	Aug 30, 2018
Transaction Type	Mortgage
Record Updated	Sep 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	405 E MAIN ST ST CHARLES IL 601742043, ST CHARLES, IL 60174-2043

Mortgage

Document Number	0000044851
Date	Sep 12, 2018
Instrument	44851

Lender

Name	BMO HARRIS BK NA
Type	Bank
Address	111 W MONROE ST, CHICAGO, IL 60603-4096

Agreement

Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$51,965.00 (+5.93%)
2024		$613,129 (+12.07%) Land $296,903 Building $316,226	$1,840,123 (+12.11%) Land $891,065 Building $949,058
2022	$49,058.00 (+3.88%)	$547,113 (+4.91%) Land $264,720 Building $282,393	$1,641,339 (+4.91%) Land $794,160 Building $847,179
2021	$47,226.00	$521,507 Land $252,331 Building $269,176	$1,564,521 Land $756,993 Building $807,528

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170898523001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
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 Storm	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 2 claims Severe Storms And Flooding, Sep 2008 · 7 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 492 locations within about half a mile of this property

Provider	Technology	Download / Upload (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	100 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.