421 S 9th St, Saint Charles, IL 60174 Property Records

Kane County property record for 421 S 9th St, Saint Charles, IL 60174

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,013 sqft · built 1957
Lot Size	0.215 acres (9,375 sqft)
Owner	2 Individual Names on File
Last Sale	$221,500 (Aug 2019)
Tax Bill	$6,571 (2025)
Deeds & Mortgages	May 2024 Line of Credit Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-33-276-012`

Property Details

APN / Parcel Number

Primary APN	`09-33-276-012`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,013 sqft Living Area
1st Floor Area	1,013 sqft
Basement Area	539 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1969
Architectural Style	Split Level
Exterior Material	Combination
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	9,375 sqft (0.215 acres)
Garage Type	Attached
Garage Area	405 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	421 S 9TH ST
City	SAINT CHARLES
State	IL
Zip	60174-2611
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAP AREA: 021-SW 7TH-RNDL
Legal Subdivision	STC HIGHLANDS
Legal Block	4
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	4
Census Block	4009
Census Tract	852201

Owner

421 S 9th St is owned and occupied by two individuals who bought it in August 2019.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	421 S 9TH ST, SAINT CHARLES, IL 60174-2611
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 14, 2024	Deed of Trust, Mortgage · Line of Credit BMO BANK NA
Aug 30, 2019	Warranty Deed, Transfer · Conventional Mortgage PLATINUM HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2019 · Amount on File
Deed Sale	Aug 30, 2019 · Amount on File
Deed Document Number	201940152
Record Updated	Oct 29, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	421 S 9TH ST, ST CHARLES, IL 60174-2611
Transaction Type	Mortgage
Record Updated	May 21, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 S 9TH ST, SAINT CHARLES, IL 60174-2611

Mortgage

Document Number	0000016121
Date	May 14, 2024
Instrument	2024K016121

Lender

Name	BMO BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 10, 2054

Interest

Rate Type	Adjustable Rate
Rate	12.5%
Change Frequency	Monthly

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 30, 2019
Property Address	421 S 9TH ST, ST CHARLES, IL 60174-2611
Document Number	0000040152
Instrument Date	Aug 29, 2019
Instrument	2019K040152
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$221.50
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 9TH ST, SAINT CHARLES, IL 60174-2611

Mortgage

Document Number	0000040153
Date	Aug 30, 2019
Instrument	2019K040153

Lender

Name	PLATINUM HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	3.99%

Tax Assessment & Valuation

The 2025 property tax bill for 421 S 9th St was $6,571 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	$6,571.00 Homeowner's exemption	$101,693 (+8.53%) Land $30,312 Building $71,381	$305,201 (+8.53%) Land $90,972 Building $214,229
2024		$93,701 Land $27,930 Building $65,771	$281,215 Land $83,824 Building $197,392
2022	$6,050.00 (+4.27%) Homeowner's exemption	$80,933 (+4.91%) Land $27,669 Building $53,264	$242,799 (+4.91%) Land $83,007 Building $159,792
2021	$5,802.00 Homeowner's exemption	$77,145 Land $26,374 Building $50,771	$231,435 Land $79,122 Building $152,313

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 9th 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 9th 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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