4130 River Ridge Dr, Saint Charles, IL 60175 Property Records

Kane County property record for 4130 River Ridge Dr, Saint Charles, IL 60175

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,547 sqft · built 2004
Lot Size	0.524 acres (22,833 sqft)
Owner	2 Individual Names on Record
Last Sale	$635,000 (Oct 2021)
Tax Bill	$18,291 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-16-229-003`

Property Details

APN / Parcel Number

Primary APN	`09-16-229-003`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,547 sqft Living Area
Basement Area	1,353 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Combination
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	22,833 sqft (0.524 acres)
Lot Dimensions	188 ft deep x 120 ft wide
Garage Type	Attached
Garage Area	646 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4130 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 45
Legal Subdivision	RIVERS EDGE
Legal Phase	1
Legal Block	2
Legal Lot Number	45
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2016
Census Tract	852103

Owner

Source: Kane County records, as of July 21, 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	4130 RIVER RIDGE DR, SAINT CHARLES, IL 60175-5669
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 2021 · Amount on Record
Deed Sale	Oct 20, 2021 · Amount on Record
Prior Sale	Jul 30, 2004 · Amount on Record
Deed Document Number	202179330
Record Updated	Sep 20, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 20, 2021
Property Address	4130 RIVER RIDGE DR, ST CHARLES, IL 60175-5669
Document Number	0000079330
Map Reference	DOC 2001K035260
Instrument Date	Sep 3, 2021
Instrument	2021K079330
Transaction Type	Transfer
Record Updated	Oct 26, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$635.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	39W953 WELLINGTON WAY, GENEVA, IL 60134-3585

Mortgage

Document Number	0000079331
Date	Oct 20, 2021
Instrument	2021K079331

Lender

Name	AMERICAN FIDELITY MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.87%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of August 25, 2025

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	$18,291.00 (+14.04%) Homeowner's exemption
2024		$251,784 (+23.03%) Land $67,031 Building $184,753	$755,654 (+23.08%) Land $201,173 Building $554,481
2022	$16,039.00 (+12.86%) Homeowner's exemption	$204,651 (+13.54%) Land $72,308 Building $132,343	$613,953 (+13.54%) Land $216,924 Building $397,029
2021	$14,211.00 Homeowner's exemption	$180,249 Land $68,924 Building $111,325	$540,747 Land $206,772 Building $333,975

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

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.

Wildfire

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.

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	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