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

Kane County property record for 425 S 3rd St, Saint Charles, IL 60174

Property Summary

Property Type	Single Family Home
Details	1,732 sqft · built 1987
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$596,500 (Aug 2021)
Tax Bill	$13,701 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-34-154-016`

Property Details

APN / Parcel Number

Primary APN	`09-34-154-016`

Interior

Stories	2 Stories
Building Area	1,732 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	425 S 3RD ST
City	SAINT CHARLES
State	IL
Zip	60174-2857
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	21 E/2
Legal Subdivision	MOODYS ADD
Legal Block	2
Legal Lot Number	20-22
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2038
Census Tract	852300

Owner

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 Record
Mailing Address	425 S 3RD ST, SAINT CHARLES, IL 60174-2857
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2021 · Amount on Record
Deed Sale	Aug 26, 2021 · Amount on Record
Prior Sale	May 24, 2000 · Amount on Record
Deed Document Number	202165525
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 26, 2021
Property Address	425 S 3RD ST, SAINT CHARLES, IL 60174-2857
Document Number	0000065525
Instrument Date	Jun 24, 2021
Instrument	2021K065525
Transaction Type	Transfer
Record Updated	Sep 15, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
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	425 S 3RD ST, SAINT CHARLES, IL 60174-2857

Mortgage

Document Number	0000065527
Date	Aug 26, 2021
Instrument	2021K065527

Lender

Name	C & R MORTGAGE
Type	Mortgage Company
Address	NILES, IL 60714

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

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	$13,701.00 (+7.74%) Homeowner's exemption	$203,356 (+8.53%) Land $59,858 Building $143,498	$610,312 (+8.53%) Land $179,646 Building $430,666
2024		$187,373 (+14.59%) Land $55,153 Building $132,220	$562,344 (+14.64%) Land $165,525 Building $396,819
2022	$12,717.00 (+0.05%) Homeowner's exemption	$163,511 (+4.91%) Land $48,211 Building $115,300	$490,533 (+4.91%) Land $144,633 Building $345,900
2021	$12,711.00	$155,859 Land $45,955 Building $109,904	$467,577 Land $137,865 Building $329,712

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

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.

Wildfire

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