Kane County property record for 408 S 5th Ave, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,708 sqft · built 1910 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $425,000 (Jun 2025) |
| Tax Bill | $8,228 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Apr 2022 Sale & Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-34-213-002 |
| Primary APN | 09-34-213-002 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,708 sqft Living Area |
| Basement Area | 600 sqft |
| Interior Walls | Plaster |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1974 |
| 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 | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 408 S 5TH AVE |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-2926 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MINARD, FERSON & HUNTS ADD. - SLY 1/2 OF LOTS 3 & 4 IN BLK 2 |
| Legal Subdivision | MINARD FERSON&HUNTS ADD |
| Legal Block | 2 |
| Legal Lot Number | 3,4 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 1 |
| Census Block | 1056 |
| 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 | 14011 S OREGON DR, PLAINFIELD, IL 60544-7074 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Mar 17, 2026 | Deed of Trust, Mortgage · Conventional Mortgage THE AMERICAN COMMERCIAL BANK & TRUST |
| Apr 27, 2022 | Deed, Transfer · Line of Credit FIRST STATE BANK |
| Oct 15, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Apr 15, 2020 | Deed of Trust, Mortgage QUICKEN LNS |
| Jul 14, 2017 | Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 5, 2025 · Amount on Record |
| Deed Sale | Jun 5, 2025 · Amount on Record |
| Prior Sale | Apr 27, 2022 · Amount on Record |
| Deed Document Number | 202520550 |
| Prior Transfer Date | Sep 9, 2020 |
| Prior Transfer Doc | 0000061582 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 408 S 5TH AVE, ST CHARLES, IL 60174-2926 |
| Transaction Type | Mortgage |
| Record Updated | Mar 25, 2026 |
| Title Company | FOX TITLE |
| Name | Verified Name |
|---|---|
| Address | 408 S 5TH AVE, SAINT CHARLES, IL 60174-2926 |
| Document Number | 0000010725 |
|---|---|
| Date | Mar 17, 2026 |
| Instrument | 2026K010725 |
| Name | THE AMERICAN COMMERCIAL BANK & TRUST |
|---|---|
| Type | Bank |
| Address | OTTAWA, IL 61350 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Apr 27, 2022 |
| Property Address | 408 S 5TH AVE, ST CHARLES, IL 60174-2926 |
| Document Number | 0000022708 |
| Instrument Date | Apr 7, 2022 |
| Instrument | 2022K022708 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $360.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 416 S 5TH AVE, SAINT CHARLES, IL 60174-2926 |
| Document Number | 0000022709 |
|---|---|
| Date | Apr 27, 2022 |
| Instrument | 2022K022709 |
| Name | FIRST STATE BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 25, 2042 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Oct 15, 2020 |
| Property Address | 408 S 5TH AVE, ST CHARLES, IL 60174-2926 |
| Document Number | 0000061582 |
| Instrument Date | Sep 9, 2020 |
| Instrument | 61582 |
| Transaction Type | Transfer |
| Record Updated | Oct 28, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 408 S 5TH AVE ST CHARLES IL 601742926, ST CHARLES, IL 60174-2926 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 408 S 5TH AVE, ST CHARLES, IL 60174-2926 |
| Document Number | 0000023482 |
| Instrument Date | Apr 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 14, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 408 S 5TH AVE ST CHARLES IL 601742926, ST CHARLES, IL 60174-2926 |
| Document Number | 0000023482 |
|---|---|
| Date | May 8, 2020 |
| Instrument | 23482 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | May 7, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jul 14, 2017 |
| Property Address | 408 S 5TH AVE, ST CHARLES, IL 60174-2926 |
| Document Number | 0000036223 |
| Instrument Date | Jun 28, 2017 |
| Instrument | 36223 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2017 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $356.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1713 SUNNYVIEW CT STATESBORO GA 304588763, STATESBORO, GA 30458-8763 |
| Document Number | 36225 |
|---|---|
| Date | Jul 14, 2017 |
| Instrument | 36225 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 13, 2047 |
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 | $8,228.00 (+2.54%) | $117,318 (+8.53%) Land $28,008 Building $89,310 | $352,095 (+8.53%) Land $84,058 Building $268,037 |
| 2024 | $8,024.00 (+27.79%) | $108,098 (+29.04%) Land $25,807 Building $82,291 | $324,424 (+29.09%) Land $77,452 Building $246,972 |
| 2022 | $6,279.00 (+4.27%) Homeowner's exemption | $83,770 (+4.91%) Land $23,242 Building $60,528 | $251,310 (+4.91%) Land $69,726 Building $181,584 |
| 2021 | $6,022.00 Homeowner's exemption | $79,849 Land $22,154 Building $57,695 | $239,547 Land $66,462 Building $173,085 |
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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