Kane County property record for 405 S 10th Ave, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 960 sqft · built 1969 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $278,000 (Jul 2021) |
| Tax Bill | $6,161 (2025) |
| Deeds & Mortgages | Jul 2021 Sale & Mortgage Apr 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-34-226-016 |
| Primary APN | 09-34-226-016 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 960 sqft Living Area |
| 1st Floor Area | 960 sqft |
| Basement Area | 960 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Ranch |
| Exterior Material | Combination |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,000 sqft (0.115 acres) |
| Garage Type | Attached |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 405 S 10TH AVE |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-3107 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 2 IN BLK 10 OF MRS SARAH PERKINS ADDN TO ST CHARLES |
| Legal Subdivision | MRS SARAH PERKINS ADDN |
| Legal Block | 10 |
| Legal Lot Number | 2 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 1 |
| Census Block | 1047 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 405 S 10TH AVE, SAINT CHARLES, IL 60174-3107 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 13, 2021 | Warranty Deed, Transfer · Conventional Mortgage KEY MORTGAGE SERVICES INC |
| Apr 22, 2021 | Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB |
| Jan 16, 2019 | Warranty Deed, Transfer · FHA Mortgage MIDWEST COMMUNITY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 13, 2021 · Amount on Record |
| Deed Sale | Jul 13, 2021 · Amount on Record |
| Prior Sale | Jan 16, 2019 · Amount on Record |
| Deed Document Number | 202153538 |
| Prior Transfer Date | Mar 1, 2002 |
| Prior Transfer Doc | 0000079879 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jul 13, 2021 |
| Property Address | 405 S 10TH AVE, ST CHARLES, IL 60174-3107 |
| Document Number | 0000053538 |
| Instrument Date | Jul 1, 2021 |
| Instrument | 2021K053538 |
| Transaction Type | Transfer |
| Record Updated | Jul 29, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $278.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 405 S 10TH AVE, SAINT CHARLES, IL 60174-3107 |
| Document Number | 0000053539 |
|---|---|
| Date | Jul 13, 2021 |
| Instrument | 2021K053539 |
| Name | KEY MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 405 S 10TH AVE, ST CHARLES, IL 60174-3107 |
| Transaction Type | Mortgage |
| Record Updated | May 5, 2021 |
| Title Company | NOT AVAILABLE, FAMS DTO |
| Name | Verified Name |
|---|
| Document Number | 0000031522 |
|---|---|
| Date | Apr 22, 2021 |
| Instrument | 2021K031522 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE, FL 32202 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 334 Months |
| Due | Feb 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jan 16, 2019 |
| Property Address | 405 S 10TH AVE, ST CHARLES, IL 60174-3107 |
| Document Number | 0000002213 |
| Instrument Date | Dec 29, 2018 |
| Instrument | 2019K002213 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | FOX TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $231.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 405 S 10TH AVE, SAINT CHARLES, IL 60174-3107 |
| Document Number | 0000002214 |
|---|---|
| Date | Jan 16, 2019 |
| Instrument | 2019K002214 |
| Name | MIDWEST COMMUNITY BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.5% |
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 | $6,161.00 (+7.79%) Homeowner's exemption | $95,847 (+8.53%) Land $28,008 Building $67,839 | $287,656 (+8.53%) Land $84,058 Building $203,598 |
| 2024 | $88,314 (+15%) Land $25,807 Building $62,507 | $265,048 (+15.04%) Land $77,452 Building $187,596 | |
| 2022 | $5,716.00 (+4.31%) Homeowner's exemption | $76,796 (+4.91%) Land $23,242 Building $53,554 | $230,388 (+4.91%) Land $69,726 Building $160,662 |
| 2021 | $5,480.00 Homeowner's exemption | $73,202 Land $22,154 Building $51,048 | $219,606 Land $66,462 Building $153,144 |
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 |
|---|---|
| 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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