Kane County property record for 405 S 1st St, Saint Charles, IL 60174
| Property Type | Commercial |
|---|---|
| Owner | Company Name on File |
| Last Sale | $750,000 (May 2004) |
| Tax Bill | $20,040 (2022) |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-34-132-030 |
| Primary APN | 09-34-132-030 |
|---|---|
| Alternative APN |
|
| Street Address | 405 S 1ST ST |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-2808 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | FIRST STREET REDEVELOPMENT SUB PT LT 8 AS DESC IN TAXPAYER REQUEST DATED 05/15/2008 AS LT 3 & LT 4 IN DOC 2008K027257 |
| Legal Subdivision | FIRST STREET REDEVELOPMENT SUB |
| Legal Lot Number | 3-4,8 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 2 |
| Census Block | 2040 |
| Census Tract | 852300 |
405 S 1st St, a commercial property, is owned by a company that bought it in May 2004 and is owner-occupied.
Source: Kane County records, as of August 28, 2023
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 405 S 1ST ST # 407, 407, SAINT CHARLES, IL 60174-2808 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 28, 2004 · Amount on File |
| Deed Sale | May 28, 2004 · Amount on File |
| Deed Document Number | 2004K068805 |
| Record Updated | Jun 7, 2026 |
Source: Kane County assessment roll, as of January 1, 2022
| 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 |
|---|---|---|---|
| 2022 | $20,040.00 | $214,054 Land $31,017 Building $183,037 | $642,162 Land $93,051 Building $549,111 |
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.
FEMA maps place 405 S 1st St 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 |
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 risk around 405 S 1st St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 94% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 494 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 · Fixed Wireless in parts of the area | 100 / 20 |
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