Kane County property record for 415 Oak St, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,391 sqft · built 1956 |
| Lot Size | 0.298 acres (12,960 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $419,000 (May 2026) |
| Tax Bill | $7,594 (2025) |
| Deeds & Mortgages | May 2026 Sale May 2022 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-34-153-001 |
| Primary APN | 09-34-153-001 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,391 sqft Living Area |
| 1st Floor Area | 1,391 sqft |
| Basement Area | 1,391 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1969 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,960 sqft (0.298 acres) |
| Garage Type | Attached |
| Garage Area | 429 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 415 OAK ST |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-2759 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 35 PT |
| Legal Subdivision | MOODYS ADD |
| Legal Block | 2 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 2 |
| Census Block | 2037 |
| Census Tract | 852300 |
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 Company Names on Record |
|---|---|
| Mailing Address | 415 OAK ST, SAINT CHARLES, IL 60174-2759 |
| Owner Type | Company |
| Vesting | Trust, Revocable Living Trust |
| Date | Document |
|---|---|
| May 15, 2026 | Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| May 31, 2022 | Intrafamily Transfer, Transfer CHICAGO TITLE INSURANCE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 15, 2026 · Amount on Record |
| Deed Sale | May 15, 2026 · Amount on Record |
| Deed Document Number | 202620145 |
| Prior Transfer Date | May 26, 2022 |
| Prior Transfer Doc | 0000028581 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | May 15, 2026 |
| Property Address | 415 OAK ST, SAINT CHARLES, IL 60174-2759 |
| Document Number | 0000020145 |
| Instrument Date | Apr 28, 2026 |
| Instrument | 202620145 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Amount | Amount Recorded |
|---|---|
| Tax | $63,478.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 415 OAK ST, SAINT CHARLES, IL 60174-2759 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | May 31, 2022 |
| Property Address | 415 OAK ST, SAINT CHARLES, IL 60174-2759 |
| Document Number | 0000028581 |
| Instrument Date | May 26, 2022 |
| Instrument | 2022K028581 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | CHICAGO TITLE INSURANCE CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 415 OAK ST, SAINT CHARLES, IL 60174-2759 |
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 | $7,594.00 (+3.84%) Homeowner's exemption Senior Citizen's exemption | $124,291 (+8.53%) Land $38,396 Building $85,895 | $373,022 (+8.53%) Land $115,234 Building $257,788 |
| 2024 | $7,313.00 (+13.12%) | $114,522 (+24.11%) Land $35,378 Building $79,144 | $343,703 (+24.16%) Land $106,176 Building $237,527 |
| 2022 | $6,465.00 (+4.58%) Homeowner's exemption | $92,271 (+4.91%) Land $31,728 Building $60,543 | $276,813 (+4.91%) Land $95,184 Building $181,629 |
| 2021 | $6,182.00 Homeowner's exemption | $87,952 Land $30,243 Building $57,709 | $263,856 Land $90,729 Building $173,127 |
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 · 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 Record 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.
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 494 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 DSL · Fixed Wireless in parts of the area | 100 / 20 |
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