413 N 3rd Ave, Saint Charles, IL 60174 Property Records

Kane County property record for 413 N 3rd Ave, Saint Charles, IL 60174

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,588 sqft · built 1973
Lot Size	0.459 acres (20,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,000 (Jan 2021)
Tax Bill	$9,352 (2025)
Deeds & Mortgages	Jan 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`09-27-333-002`

Property Details

APN / Parcel Number

Primary APN	`09-27-333-002`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,588 sqft Living Area
1st Floor Area	1,588 sqft
Basement Area	972 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1974
Architectural Style	Split Level
Exterior Material	Combination
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	20,000 sqft (0.459 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	413 N 3RD AVE
City	SAINT CHARLES
State	IL
Zip	60174-2009
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 5,6,7 AND 8 IN BLK 36 OF WARDS ADD
Legal Subdivision	WARDS ADD
Legal Block	36
Legal Lot Number	5-7
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	1
Census Block	1039
Census Tract	852005

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	413 N 3RD AVE, SAINT CHARLES, IL 60174-2009
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 14, 2021 · Amount on Record
Deed Sale	Jan 14, 2021 · Amount on Record
Prior Sale	Jun 27, 2005 · Amount on Record
Deed Document Number	20213432
Prior Transfer Date	Nov 2, 2020
Prior Transfer Doc	0000003432
Record Updated	Oct 29, 2026

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Jan 14, 2021
Property Address	413 N 3RD AVE, ST CHARLES, IL 60174-2009
Document Number	0000003432
Instrument Date	Nov 2, 2020
Instrument	3432
Transaction Type	Transfer
Record Updated	Jan 21, 2021
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	413 N 3RD AVE ST CHARLES IL 601742009, ST CHARLES, IL 60174-2009

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	$9,352.00 (-0.64%) Homeowner's exemption	$141,348 (+8.53%) Land $40,417 Building $100,931	$424,214 (+8.53%) Land $121,300 Building $302,914
2024		$130,238 (+6.25%) Land $37,240 Building $92,998	$390,870 (+6.29%) Land $111,765 Building $279,106
2022	$9,412.00 (+4.13%) Homeowner's exemption	$122,575 (+4.91%) Land $36,893 Building $85,682	$367,725 (+4.91%) Land $110,679 Building $257,046
2021	$9,039.00 Homeowner's exemption	$116,838 Land $35,166 Building $81,672	$350,514 Land $105,498 Building $245,016

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 86% 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.

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 147 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20