Kane County property record for 4135 River Ridge Dr, Saint Charles, IL 60175
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,265 sqft · built 2003 |
| Lot Size | 0.551 acres (23,984 sqft) |
| Owner | Company Name on Record |
| Last Sale | $520,000 (Apr 2019) |
| Tax Bill | $16,822 (2025) |
| Deeds & Mortgages | Jun 2026 Construction Loan Nov 2021 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-16-228-013 |
| Primary APN | 09-16-228-013 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,265 sqft Living Area |
| Basement Area | 1,405 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 23,984 sqft (0.551 acres) |
| Garage Type | Attached |
| Garage Area | 768 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 4135 RIVER RIDGE DR |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60175-5676 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RIVERS EDGE - PHASE I LOT 54 |
| Legal Subdivision | RIVERS EDGE |
| Legal Phase | 1 |
| Legal Block | 2 |
| Legal Lot Number | 54 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 852103 |
Source: Kane County records, as of August 6, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 4135 RIVER RIDGE DR, SAINT CHARLES, IL 60175-5676 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| Jun 15, 2026 | Deed of Trust, Mortgage · Construction Mortgage WL PROPERTIES LLC |
| Nov 18, 2021 | Intrafamily Transfer, Transfer |
| May 14, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Apr 26, 2019 | Warranty Deed, Transfer · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 26, 2019 · Amount on Record |
| Deed Sale | Apr 26, 2019 · Amount on Record |
| Prior Sale | Sep 3, 2003 · Amount on Record |
| Deed Document Number | 201916316 |
| Last Transfer Date | Oct 12, 2021 |
| Transfer Doc | 0000086935 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jun 15, 2026 |
| Property Address | 4135 RIVER RIDGE DR, SAINT CHARLES, IL 60175-5676 |
| Document Number | 0000024833 |
| Instrument Date | Jun 12, 2026 |
| Instrument | 202624833 |
| Transaction Type | Mortgage |
| Record Updated | Aug 6, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust, 284 |
| Document Number | 0000024833, |
|---|---|
| Date | Jun 15, 2026 |
| Instrument | 202624833 |
| Name | WL PROPERTIES LLC |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jun 12, 2027 |
| Rate Type | Balloon |
|---|---|
| Rate | 6.36% |
| Initial Type | Balloon |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Nov 18, 2021 |
| Property Address | 4135 RIVER RIDGE DR, ST CHARLES, IL 60175-5676 |
| Document Number | 0000086935 |
| Instrument Date | Oct 12, 2021 |
| Instrument | 2021K086935 |
| Transaction Type | Transfer |
| Record Updated | Nov 26, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4135 RIVER RIDGE DR, SAINT CHARLES, IL 60175-5676 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | May 14, 2020 |
| Property Address | 4135 RIVER RIDGE DR, ST CHARLES, IL 60175-5676 |
| Document Number | 0000024764 |
| Instrument Date | Mar 31, 2020 |
| Instrument | 24764 |
| Transaction Type | Transfer |
| Record Updated | Jul 14, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4135 RIVER RIDGE DR ST CHARLES IL 601755676, ST CHARLES, IL 60175-5676 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Apr 26, 2019 |
| Property Address | 4135 RIVER RIDGE DR, ST CHARLES, IL 60175-5676 |
| Document Number | 0000016316 |
| Map Reference | DOC 2001K035260 |
| Instrument Date | Apr 17, 2019 |
| Instrument | 2019K016316 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | BAIRD & WARNER TTL SVCS INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $520.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 4135 RIVER RIDGE DR, SAINT CHARLES, IL 60175-5676 |
| Document Number | 0000016318 |
|---|---|
| Date | Apr 26, 2019 |
| Instrument | 2019K016318 |
| Name | FIRST CENTENNIAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 1, 2034 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4% |
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 | $16,822.00 (+2.84%) Homeowner's exemption | $247,856 (+8.53%) Land $72,749 Building $175,107 | $743,866 (+8.53%) Land $218,334 Building $525,531 |
| 2024 | $16,358.00 (+8.65%) | $228,375 (+18.66%) Land $67,031 Building $161,344 | $685,399 (+18.71%) Land $201,173 Building $484,226 |
| 2022 | $15,055.00 (+4.03%) Homeowner's exemption | $192,459 (+4.91%) Land $72,308 Building $120,151 | $577,377 (+4.91%) Land $216,924 Building $360,453 |
| 2021 | $14,472.00 Homeowner's exemption | $183,452 Land $68,924 Building $114,528 | $550,356 Land $206,772 Building $343,584 |
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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