Kane County property record for 413 Walnut St, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 2,230 sqft · built 1880 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $9,518 (2025) |
| Deeds & Mortgages | Feb 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-34-107-002 |
| Primary APN | 09-34-107-002 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,230 sqft Living Area |
| Basement Area | 1,026 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1979 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Detached |
| Garage Area | 306 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
| Deck Area | Deck Area |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 413 WALNUT ST |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-2726 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 53 2 TOWN SAINT CHARLES |
| Legal Subdivision | VILLAGE OF STC |
| Legal Block | 2 |
| Legal Lot Number | 2 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 852300 |
413 Walnut St is owned and occupied by two individuals who acquired it in March 1996.
Source: Kane County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 413 WALNUT ST, SAINT CHARLES, IL 60174-2726 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Mar 5, 1996 |
| Transfer Doc | 0000021298 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 413 WALNUT ST, ST CHARLES, IL 60174-2726 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000009629 |
|---|---|
| Date | Feb 24, 2020 |
| Instrument | 2020K009629 |
| Name | BMO HARRIS BANK NA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60690 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 20, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.75% |
| Change Frequency | Monthly |
The 2025 property tax bill for 413 Walnut St was $9,518 with a homeowner's exemption.
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 | $9,518.00 Homeowner's exemption | $147,468 (+8.53%) Land $38,396 Building $109,072 | $442,581 (+8.53%) Land $115,234 Building $327,347 |
| 2024 | $135,877 Land $35,378 Building $100,499 | $407,794 Land $106,176 Building $301,618 | |
| 2022 | $8,104.00 Homeowner's exemption | $106,375 Land $31,728 Building $74,647 | $319,125 Land $95,184 Building $223,941 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 413 Walnut St in Zone X, an area of minimal flood risk.
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 File median of 10 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 10 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.
The area around 413 Walnut St 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.
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 341 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 Fixed Wireless · Fiber, DSL in parts of the area | 100 / 20 |
May also be available: Frontier.
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