415 Division St, Saint Charles, IL 60174 Property Records

Kane County property record for 415 Division St, Saint Charles, IL 60174

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,152 sqft · built 1976
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Company Names on File
Last Sale	$217,000 (Apr 2019)
Tax Bill	$6,356 (2025)
Deeds & Mortgages	Sep 2026 Sale Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-35-382-020`

Property Details

APN / Parcel Number

Primary APN	`09-35-382-020`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,152 sqft Living Area
1st Floor Area	1,152 sqft
Basement Area	576 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Split Level
Exterior Material	Frame/Wood
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,000 sqft (0.138 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	415 DIVISION ST
City	SAINT CHARLES
State	IL
Zip	60174-4350
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WESTERN SAMARITAN SUB. - LOT 21 BLK 2
Legal Subdivision	WESTERN SAMARITAN SUB
Legal Block	2
Legal Lot Number	21
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2033
Census Tract	852002

Owner

415 Division St is owned by a company that bought it in April 2019.

Source: Kane County records, as of October 13, 2026

Owner of Record	2 Company Names on File
Mailing Address	405 WYNDEMERE CIR, WHEATON, IL 60187-2439
Owner Type	Company
Vesting	Life Tenant

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Apr 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL SAVINGS BANK
Apr 11, 2019	Warranty Deed, Transfer · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 11, 2019 · Amount on File
Deed Sale	Apr 11, 2019 · Amount on File
Prior Sale	Mar 23, 2006 · Amount on File
Deed Document Number	201914002
Prior Transfer Date	Dec 28, 2016
Prior Transfer Doc	0000071695
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 21, 2026
Property Address	415 DIVISION ST, SAINT CHARLES, IL 60174-4350
Document Number	0000040874
Instrument Date	Sep 9, 2026
Instrument	202640874
Transaction Type	Transfer
Record Updated	Sep 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	415 DIVISION ST, ST CHARLES, IL 60174-4350
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020076
Date	Apr 22, 2020
Instrument	2020K020076

Lender

Name	FIRST FEDERAL SAVINGS BANK
Type	Bank
Address	OTTAWA, IL 61350

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 11, 2019
Property Address	415 DIVISION ST, ST CHARLES, IL 60174-4350
Document Number	0000014002
Instrument Date	Mar 28, 2019
Instrument	2019K014002
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$217.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 CARROL RD, SAINT CHARLES, IL 60174-5510

Mortgage

Document Number	0000014003
Date	Apr 11, 2019
Instrument	2019K014003

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4.62%

Tax Assessment & Valuation

The 2025 property tax bill for 415 Division St was $6,356.

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	$6,356.00 Homeowner's exemption	$98,631 (+8.53%) Land $30,312 Building $68,319	$296,011 (+8.53%) Land $90,972 Building $205,039
2024		$90,879 Land $27,930 Building $62,949	$272,746 Land $83,824 Building $188,923
2022	$5,528.00 (+4.3%) Homeowner's exemption	$74,474 (+4.91%) Land $23,980 Building $50,494	$223,422 (+4.91%) Land $71,940 Building $151,482
2021	$5,300.00 Homeowner's exemption	$70,989 Land $22,858 Building $48,131	$212,967 Land $68,574 Building $144,393

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

FEMA maps place 415 Division St in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1979.

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	8 (1979–2008)
Most Recent Claim	Sep 2008 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2008 · 7 claims

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

Wildfire risk around 415 Division St is low, with less than a 0.01% annual chance of 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 353 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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