Kane County property record for 4120 River Ridge Dr, Saint Charles, IL 60175
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,341 sqft · built 2006 |
| Lot Size | 0.514 acres (22,411 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $685,000 (Aug 2023) |
| Tax Bill | $16,518 (2025) |
| Deeds & Mortgages | Aug 2023 Sale & Mortgage Jun 2018 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-16-229-004 |
| Primary APN | 09-16-229-004 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,341 sqft Living Area |
| Basement Area | 1,006 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 22,411 sqft (0.514 acres) |
| Garage Type | Attached |
| Garage Area | 657 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 4120 RIVER RIDGE DR |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60175-5669 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RIVERS EDGE - PHASE I LOT 44 |
| Legal Subdivision | RIVERS EDGE |
| Legal Phase | 1 |
| Legal Block | 2 |
| Legal Lot Number | 44 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 852103 |
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 | 4120 RIVER RIDGE DR, SAINT CHARLES, IL 60175-5669 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Aug 31, 2023 | Deed, Transfer · Conventional Mortgage COMPASS MORTGAGE INC |
| Jun 21, 2018 | Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA |
| Oct 30, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 31, 2023 · Amount on Record |
| Deed Sale | Aug 31, 2023 · Amount on Record |
| Prior Sale | Jun 19, 2006 · Amount on Record |
| Deed Document Number | 202330158 |
| Prior Transfer Date | Oct 27, 2020 |
| Prior Transfer Doc | 0000065934 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Aug 31, 2023 |
| Property Address | 4120 RIVER RIDGE DR, ST CHARLES, IL 60175-5669 |
| Document Number | 0000030158 |
| Map Reference | DOC 2001K114099 |
| Instrument Date | Aug 1, 2023 |
| Instrument | 2023K030158 |
| Transaction Type | Transfer |
| Record Updated | Sep 7, 2023 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $685.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 4120 RIVER RIDGE DR, SAINT CHARLES, IL 60175-5669 |
| Document Number | 0000030159 |
|---|---|
| Date | Aug 31, 2023 |
| Instrument | 2023K030159 |
| Name | COMPASS MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 7.12% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 4120 RIVER RIDGE DR, ST CHARLES, IL 60175-5669 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000029338 |
|---|---|
| Date | Jun 21, 2018 |
| Instrument | 2018K029338 |
| Name | BMO HARRIS BANK NA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60690 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 20, 2048 |
| Rate | 4.64% |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Oct 30, 2020 |
| Property Address | 4120 RIVER RIDGE DR, ST CHARLES, IL 60175-5669 |
| Document Number | 0000065934 |
| Instrument Date | Oct 27, 2020 |
| Instrument | 65934 |
| Transaction Type | Transfer |
| Record Updated | Dec 1, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 4120 RIVER RIDGE DR ST CHARLES IL 601755669, ST CHARLES, IL 60175-5669 |
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 | $16,518.00 (+13.42%) | $243,523 (+9.33%) Land $72,749 Building $170,774 | $730,861 (+9.33%) Land $218,334 Building $512,527 |
| 2024 | $222,749 (+19.51%) Land $67,031 Building $155,718 | $668,514 (+19.56%) Land $201,173 Building $467,341 | |
| 2022 | $14,564.00 Homeowner's exemption | $186,381 Land $72,308 Building $114,073 | $559,143 Land $216,924 Building $342,219 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 147 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 |
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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