Kane County property record for 4175 River Ridge Dr, Saint Charles, IL 60175
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,598 sqft · built 2005 |
| Lot Size | 0.658 acres (28,659 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $618,000 (Apr 2017) |
| Tax Bill | $18,806 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Apr 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-16-228-011 |
| Primary APN | 09-16-228-011 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 3,598 sqft Living Area |
| Basement Area | 1,351 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 28,659 sqft (0.658 acres) |
| Garage Type | Attached |
| Garage Area | 780 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 4175 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 52 |
| Legal Subdivision | RIVERS EDGE |
| Legal Phase | 1 |
| Legal Block | 2 |
| Legal Lot Number | 52 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 852103 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 4175 RIVER RIDGE DR, SAINT CHARLES, IL 60175-5676 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 29, 2021 | Deed of Trust, Mortgage · ARM FIFTH THIRD BANK NA |
| Apr 18, 2017 | Warranty Deed, Transfer · ARM FIFTH THIRD MORTGAGE CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 18, 2017 · Amount on Record |
| Deed Sale | Apr 18, 2017 · Amount on Record |
| Prior Sale | Dec 10, 2015 · Amount on Record |
| Deed Document Number | 201719230 |
| Prior Transfer Date | Jan 27, 2009 |
| Prior Transfer Doc | 0000006944 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 4175 RIVER RIDGE DR, ST CHARLES, IL 60175-5676 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000088627 |
|---|---|
| Date | Nov 29, 2021 |
| Instrument | 2021K088627 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45227 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.62% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Nov 1, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 7.62% |
| Index | 1-Year LIBOR |
| Margin | 3 |
| Max Rate | 7.62% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Apr 18, 2017 |
| Property Address | 4175 RIVER RIDGE DR, ST CHARLES, IL 60175-5676 |
| Document Number | 0000019230 |
| Map Reference | DOC2001K035260 |
| Instrument Date | Apr 14, 2017 |
| Instrument | 2017K019230 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $618.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 9335 BURNETT LN, DUBLIN, OH 43017-8930 |
| Document Number | 0000019231 |
|---|---|
| Date | Apr 18, 2017 |
| Instrument | 2017K019231 |
| Name | FIFTH THIRD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.87% |
| Type Change Date | May 1, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 7.87% |
| Index | 1-Year LIBOR |
| Max Rate | 7.87% |
Source: Kane County assessment roll, as of August 25, 2025
| 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 | $18,806.00 (+13.57%) Homeowner's exemption | ||
| 2024 | $254,450 (+20.54%) Land $67,031 Building $187,419 | $763,655 (+20.59%) Land $201,173 Building $562,482 | |
| 2022 | $16,559.00 (+4.01%) Homeowner's exemption | $211,091 (+4.91%) Land $72,308 Building $138,783 | $633,273 (+4.91%) Land $216,924 Building $416,349 |
| 2021 | $15,921.00 Homeowner's exemption | $201,212 Land $68,924 Building $132,288 | $603,636 Land $206,772 Building $396,864 |
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures