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

Kane County property record for 412 S 11th Ave, Saint Charles, IL 60174

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,248 sqft · built 1917
Lot Size	0.152 acres (6,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$245,000 (Jan 2022)
Tax Bill	$6,227 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-27-490-008`

Property Details

APN / Parcel Number

Primary APN	`09-27-490-008`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,248 sqft Living Area
Basement Area	624 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1917
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	360 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	412 S 11TH AVE
City	SAINT CHARLES
State	IL
Zip	60174-3114
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT8 BLOCK 1 IN WILCOX, W.H., 2ND ADD.
Legal Subdivision	WILCOX W H 2ND ADD
Legal Block	1
Legal Lot Number	8
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	4
Census Block	4017
Census Tract	852002

Owner

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	412 S 11TH AVE, SAINT CHARLES, IL 60174-3114
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2022 · Amount on Record
Deed Sale	Jan 3, 2022 · Amount on Record
Prior Sale	Oct 14, 2015 · Amount on Record
Deed Document Number	202234
Prior Transfer Date	Nov 10, 2011
Prior Transfer Doc	0000071464
Record Updated	Oct 29, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 3, 2022
Property Address	412 S 11TH AVE, ST CHARLES, IL 60174-3114
Document Number	0000000034
Instrument Date	Dec 22, 2021
Instrument	2022K000034
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$245.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16 E WILSON ST # ST4, 16, BATAVIA, IL 60510-2700

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	412 S 11TH AVE, SAINT CHARLES, IL 60174-3114

Mortgage

Document Number	0000000035
Date	Jan 3, 2022
Instrument	2022K000035

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate
Rate	2.75%

Tax Assessment & Valuation

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	$6,227.00 (+9.23%) Homeowner's exemption	$96,794 (+8.53%) Land $30,343 Building $66,451	$290,498 (+8.53%) Land $91,065 Building $199,433
2024		$89,186 (+16.41%) Land $27,958 Building $61,228	$267,665 (+16.46%) Land $83,908 Building $183,758
2022	$5,701.00 (-3.68%) Homeowner's exemption	$76,611 (+5.55%) Land $25,179 Building $51,432	$229,833 (+5.55%) Land $75,537 Building $154,296
2021	$5,919.00	$72,585 Land $24,001 Building $48,584	$217,755 Land $72,003 Building $145,752

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

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
Flood Insurance Cost	Premium on Record 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

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