423 S 3rd St, Saint Charles, IL 60174 Property Records

Kane County property record for 423 S 3rd St, Saint Charles, IL 60174

Property Summary

Property Type	Single Family Home
Details	1,733 sqft · built 1987
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$596,500 (Oct 2021)
Tax Bill	$13,705 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-34-154-015`

Property Details

APN / Parcel Number

Primary APN	`09-34-154-015`

Interior

Stories	2 Stories
Building Area	1,733 sqft Living Area

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1996
Lot Area	8,712 sqft (0.2 acres)
Garage Area	636 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	423 S 3RD ST
City	SAINT CHARLES
State	IL
Zip	60174-2856
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE EAST 1/2 OF LOT 20 IN MOODYS ADDITION TO ST CHARLES
Legal Subdivision	MOODYS ADDN
Legal Block	2
Legal Lot Number	20
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2038
Census Tract	852300

Owner

423 S 3rd St is owned and occupied by two individuals who bought it in October 2021.

Source: Kane County records, as of October 8, 2026

Owner of Record	2 Individual Names on File
Mailing Address	423 S 3RD ST, SAINT CHARLES, IL 60174-2856
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2021 · Amount on File
Deed Sale	Oct 6, 2021 · Amount on File
Prior Sale	Mar 1, 2001 · Amount on File
Deed Document Number	202175848
Prior Transfer Date	Nov 6, 1995
Prior Transfer Doc	0000069224
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 6, 2021
Property Address	423 S 3RD ST, SAINT CHARLES, IL 60174-2856
Document Number	0000075848
Instrument Date	Jun 24, 2021
Instrument	2021K075848
Transaction Type	Transfer
Record Updated	Sep 15, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$596.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1N646 TURNBERRY LN, WINFIELD, IL 60190-2338

Mortgage

Document Number	0000075850
Date	Oct 6, 2021
Instrument	2021K075850

Lender

Name	C & R MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate
Rate	4.5%

Tax Assessment & Valuation

The 2025 property tax bill for 423 S 3rd St was $13,705 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	$13,705.00 Homeowner's exemption	$203,424 (+8.53%) Land $59,858 Building $143,566	$610,516 (+8.53%) Land $179,646 Building $430,870
2024		$187,435 Land $55,153 Building $132,282	$562,530 Land $165,525 Building $397,005
2022	$12,722.00 (+0.06%) Homeowner's exemption	$163,565 (+4.91%) Land $48,211 Building $115,354	$490,695 (+4.91%) Land $144,633 Building $346,062
2021	$12,715.00	$155,910 Land $45,955 Building $109,955	$467,730 Land $137,865 Building $329,865

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 423 S 3rd St in Zone X, an area of minimal flood risk.

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 File 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.

Wildfire

The area around 423 S 3rd 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 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