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

Kane County property record for 427 S 3rd St, Saint Charles, IL 60174

Property Summary

Property TypeSingle Family Home
Details8 bd · 2,046 sqft · built 1987
Lot Size0.25 acres (10,890 sqft)
Owner2 Individual Names on Record
Last Sale$750,000 (Oct 2024)
Tax Bill$15,779 (2025)
Deeds & MortgagesSep 2021 Line of Credit
Mar 2019 Mortgage
Flood ZoneZone X (minimal risk)
APN09-34-154-017

Property Details

APN / Parcel Number

Primary APN09-34-154-017

Interior

Bedrooms8 Beds
Total Rooms20 Rooms
Units4 Units
Stories2 Stories
Building Area2,046 sqft Living Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1987
Effective Year BuiltEffective 1996
Lot Area10,890 sqft (0.25 acres)
Garage Area861 sqft
Parking Spaces3 Parking Spaces
Shed1 Shed
Shed Area64 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Water SourceWell

Location & Zoning

Street Address427 S 3RD ST
CitySAINT CHARLES
StateIL
Zip60174-2858
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionMODDYS ADDN THE ELY 1/2 OF LOT # 22
Legal SubdivisionMODDYS ADDN
Legal Block2
Legal Lot Number22
JurisdictionKANE IL
Township / Civil DivisionST. CHARLES
Census Block Group2
Census Block2038
Census Tract852300

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address1N646 TURNBERRY LN, WINFIELD, IL 60190-2338
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 15, 2021Deed of Trust, Mortgage · Line of Credit
BLACKHAWK BANK
Mar 6, 2019Deed of Trust, Mortgage
ERIC P NORMAN

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 1, 2024 · Amount on Record
Deed SaleOct 1, 2024 · Amount on Record
Prior SaleMar 14, 2000
Deed Document Number202435525
Last Transfer DateDec 2, 2024
Transfer Doc0000044811
Record UpdatedOct 29, 2026

September 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address427 S 3RD ST, ST CHARLES, IL 60174-2858
Transaction TypeMortgage
Record UpdatedSep 22, 2021
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000070160
DateSep 15, 2021
Instrument2021K070160
Lender
NameBLACKHAWK BANK
TypeBank
AddressELGIN, IL 60123
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

March 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address427 S 3RD ST, ST CHARLES, IL 60174-2858
Document Number0000011000
Instrument DateMar 6, 2019
Transaction TypeMortgage
Record UpdatedApr 1, 2019
Title CompanyATTORNEY ONLY

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTrust
Address711 WESTMORE MEYERS RD LOMBARD IL 601483712, LOMBARD, IL 60148-3712

Mortgage

Document Number0000011000
DateMar 21, 2019
Instrument11000
Lender
NameERIC P NORMAN
Address39 W 004 FOXWOOD LN, ST CHARLES, IL 60175
Agreement
AmountAmount Recorded

Tax Assessment & Valuation

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionSt. Charles Township
MunicipalitySt. Charles City
Unified School DistrictSt. Charles Community Unit School District 303 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$15,779.00 (+2.54%)$224,984 (+8.53%) Land $74,823 Building $150,161$675,222 (+8.53%) Land $224,559 Building $450,663
2024$15,388.00 (-4.23%)$207,301 (+4.17%) Land $68,942 Building $138,359$622,152 (+4.21%) Land $206,909 Building $415,243
2022$16,067.00$198,998 Land $80,352 Building $118,646$596,994 Land $241,056 Building $355,938

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 10 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies10 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 RiskNot 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 SystemST CHARLES
serves 33,081 people · EPA ID IL0894830
Water SourceGroundwater
Last State InspectionOct 2022
Lead4 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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

ProviderMax 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

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