421 S 13th St, Saint Charles, IL 60174 Property Records

Kane County property record for 421 S 13th St, Saint Charles, IL 60174

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,469 sqft · built 1957
Lot Size	0.2 acres (8,700 sqft)
Owner	2 Individual Names on File
Last Sale	$286,500 (Mar 2021)
Tax Bill	$7,098 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Apr 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-33-179-013`

Property Details

APN / Parcel Number

Primary APN	`09-33-179-013`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,469 sqft Living Area
Basement Area	864 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1969
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,700 sqft (0.2 acres)
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	421 S 13TH ST
City	SAINT CHARLES
State	IL
Zip	60174-3602
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAP AREA: 021-SW 7TH-RNDL
Legal Subdivision	LEIGH-JON MANOR
Legal Block	4
Legal Lot Number	16
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	4
Census Block	4014
Census Tract	852201

Owner

421 S 13th St is owned and occupied by two individuals who bought it in March 2021.

Source: Kane County records, as of July 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	421 S 13TH ST, SAINT CHARLES, IL 60174-3602
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Mar 11, 2021	Warranty Deed, Transfer · Conventional Mortgage PROPER RATE LLC
Apr 26, 2018	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK WESTERN MICHIGAN
Jul 30, 2018	Grant Deed, Foreclosure OTHER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 11, 2021 · Amount on File
Deed Sale	Mar 11, 2021 · Amount on File
Prior Sale	Jul 30, 2018 · Amount on File
Deed Document Number	202119008
Prior Transfer Date	Aug 22, 2000
Prior Transfer Doc	0000067296
Record Updated	Oct 29, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Mar 11, 2021
Property Address	421 S 13TH ST, ST CHARLES, IL 60174-3602
Document Number	0000019008
Instrument Date	Mar 5, 2021
Instrument	2021K019008
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$286.50
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	421 S 13TH ST, SAINT CHARLES, IL 60174-3602

Mortgage

Document Number	0000019009
Date	Mar 11, 2021
Instrument	2021K019009

Lender

Name	PROPER RATE LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.75%

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	421 S 13TH ST, ST CHARLES, IL 60174-3602
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019196
Date	Apr 26, 2018
Instrument	2018K019196

Lender

Name	FIFTH THIRD BANK WESTERN MICHIGAN
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 25, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2018: Grant Deed, Foreclosure

Document Type	Grant Deed
Jurisdiction	KANE IL
Recording Date	Jul 30, 2018
Property Address	421 S 13TH ST, ST CHARLES, IL 60174-3602
Document Number	0000036527
Instrument Date	Jul 20, 2018
Instrument	36527
Transaction Type	Foreclosure
Record Updated	Aug 8, 2018
Title Company	OTHER

Transaction

Amount	Amount on Record
Tax	$246.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1100 W MAIN ST ST CHARLES IL 601741768, ST CHARLES, IL 60174-1768

Tax Assessment & Valuation

The 2025 property tax bill for 421 S 13th St was $7,098 with a homeowner's exemption.

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	$7,098.00 Homeowner's exemption	$109,208 (+8.53%) Land $30,312 Building $78,896	$327,755 (+8.53%) Land $90,972 Building $236,783
2024		$100,625 Land $27,930 Building $72,695	$301,996 Land $83,824 Building $218,172
2022	$6,625.00 (-3.21%) Homeowner's exemption	$88,052 (+4.91%) Land $27,669 Building $60,383	$264,156 (+4.91%) Land $83,007 Building $181,149
2021	$6,845.00	$83,931 Land $26,374 Building $57,557	$251,793 Land $79,122 Building $172,671

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 421 S 13th St in Zone X, an area of minimal flood risk.

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

The area around 421 S 13th St has no burnable land within ember reach, so its wildfire risk is not rated.

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.

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 405 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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