408 S 11th Ave, Saint Charles, IL 60174 Property Records

Kane County property record for 408 S 11th Ave, Saint Charles, IL 60174

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,298 sqft · built 1927
Lot Size	0.152 acres (6,600 sqft)
Owner	Individual Name on File
Last Sale	$168,000 (Aug 2012)
Tax Bill	$6,250 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`09-27-490-007`

Property Details

APN / Parcel Number

Primary APN	`09-27-490-007`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,298 sqft Living Area
Basement Area	649 sqft
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1974
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,600 sqft (0.152 acres)
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	408 S 11TH AVE
City	SAINT CHARLES
State	IL
Zip	60174-3114
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAP AREA: 008-SEOLDTWN STC,AVE
Legal Subdivision	WILCOX WH
Legal Block	4
Legal Lot Number	7
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	4
Census Block	4017
Census Tract	852002

Owner

408 S 11th Ave is owned and occupied by an individual who bought it in August 2012.

Source: Kane County records, as of July 23, 2026

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	Individual Name on File
Mailing Address	408 S 11TH AVE, SAINT CHARLES, IL 60174-3114
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 15, 2012 · Amount on File
Deed Sale	Aug 15, 2012 · Amount on File
Prior Sale	Aug 13, 1999 · Amount on File
Deed Document Number	201254281
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	408 S 11TH AVE, SAINT CHARLES, IL 60174-3114
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029785
Date	Jun 7, 2022
Instrument	2022K029785

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	RENO, NV 89501

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 6, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 408 S 11th Ave was $6,250 with a homeowner's exemption.

Source: Kane County assessment roll, as of July 23, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,250.00 Homeowner's exemption	$97,118 (+8.53%) Land $30,343 Building $66,775	$291,471 (+8.53%) Land $91,065 Building $200,405
2024		$89,485 Land $27,958 Building $61,527	$268,562 Land $83,908 Building $184,655
2022	$5,638.00 (+4.29%) Homeowner's exemption	$75,835 (+4.91%) Land $25,179 Building $50,656	$227,505 (+4.91%) Land $75,537 Building $151,968
2021	$5,406.00 Homeowner's exemption	$72,286 Land $24,001 Building $48,285	$216,858 Land $72,003 Building $144,855

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.

Flood

FEMA maps place 408 S 11th Ave 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
Nearby Flood Claims	3 (1994–2020)
Claims Outside the SFHA	2 of 3
Most Recent Claim	May 2020 · rainfall accumulation

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

The area around 408 S 11th Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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