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4N428 Mark Twain St, Saint Charles, IL 60175 Property Records

Kane County property record for 4N428 Mark Twain St, Saint Charles, IL 60175

Property Summary

Property TypeSingle Family Home
Details5 bd · 3 ba · 3,017 sqft · built 2004
Lot Size0.21 acres (9,148 sqft)
Owner2 Individual Names on File
Last Sale$615,000 (Jul 2024)
Tax Bill$12,306 (2025)
Deeds & MortgagesOct 2025 Mortgage
Jan 2018 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN08-23-401-006

Property Details

APN / Parcel Number

Primary APN08-23-401-006

Interior

Bedrooms5 Beds
Full Baths3 Baths
Total Rooms14 Rooms
Stories2 Stories
Building Area3,017 sqft Living Area
Gross Area5,015 sqft
Basement Area1,544 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2004
Architectural StyleContemporary
Exterior MaterialCombination
Construction TypeFrame
Lot Area9,148 sqft (0.21 acres)
Lot Dimensions132 ft deep x 68 ft wide
Garage TypeAttached
Garage Area454 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch

Utilities, Heating & Cooling

Cooling SystemCentral
Water SourceCommercial

Location & Zoning

Street Address4N428 MARK TWAIN ST
CitySAINT CHARLES
StateIL
Zip60175-6522
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 245 OF FOX MILL UNIT NO 8-A
Legal SubdivisionFOX MILL
Legal Block2
Legal Lot Number245
Legal Unit8-A
JurisdictionKANE IL
Township / Civil DivisionCAMPTON
Census Block Group2
Census Block2013
Census Tract852407

Owner

Source: Kane County records · APN 08-23-401-006

Assessment roll updated December 26, 2025 · Last verified July 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 File
Mailing Address4N428 MARK TWAIN ST, SAINT CHARLES, IL 60175-6522
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
Oct 20, 2025Deed of Trust, Mortgage · Conventional Mortgage
ROCKET MORTGAGE LLC
Jan 22, 2018Deed of Trust, Mortgage · ARM
FIRST FEDERAL SAVINGS BANK
Feb 04, 2020Warranty Deed, Transfer · Conventional Mortgage
WINTRUST MORTGAGE

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 29, 2024 · Amount on Record
Deed SaleJul 29, 2024 · Amount on Record
Prior SaleFeb 04, 2020 · Amount on Record
Deed Document Number202426500
Prior Transfer DateMay 10, 2024
Prior Transfer Doc0000026499
Record UpdatedSep 20, 2026

October 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address4N428 MARK TWAIN ST, ST CHARLES, IL 60175-6522
Transaction TypeMortgage
Record UpdatedOct 29, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address4N428 MARK TWAIN ST, SAINT CHARLES, IL 60175-6522

Mortgage

Document Number0000041001
DateOct 20, 2025
Instrument2025K041001
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term241 Months
DueNov 01, 2045
Interest
Rate5.87%

January 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address4N428 MARK TWAIN ST, ST CHARLES, IL 60175-6522
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyCHICAGO TITLE INS CO

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000003493
DateJan 22, 2018
Instrument2018K003493
Lender
NameFIRST FEDERAL SAVINGS BANK
TypeBank
AddressOTTAWA, IL 61350
Agreement
TypeARM
AmountAmount Recorded
Term361 Months
DueFeb 01, 2048
Interest
Rate TypeAdjustable Rate
Rate3.25%
Type Change DateFeb 01, 2021
Change FrequencyAnnually
Min Rate At Change2.75%
Max Rate At Change5.25%
Index1-Year CMT
Max Rate9.25%

February 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKANE IL
Recording DateFeb 04, 2020
Property Address4N428 MARK TWAIN ST, ST CHARLES, IL 60175-6522
Document Number0000006471
Map ReferenceDOC 1999K087439
Instrument DateJan 29, 2020
Instrument2020K006471
Transaction TypeTransfer
Record UpdatedJul 27, 2021
Title CompanySTEWART TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$355.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address4N428 MARK TWAIN ST, SAINT CHARLES, IL 60175-6522

Mortgage

Document Number0000006472
DateFeb 04, 2020
Instrument2020K006472
Lender
NameWINTRUST MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 01, 2050
Interest
Rate TypeFixed Rate
Rate4.37%

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated December 26, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionCampton Township
MunicipalityCampton Hills Village
Unified School DistrictSt. Charles Community Unit School District 303 (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$12,306.00 (+10.75%)
2024$193,797 (+26.55%) Land $38,413 Building $155,384$581,624 (+26.61%) Land $115,285 Building $466,339
2022$11,112.00 (+6.41%) Homeowner's exemption$153,133 (+5.91%) Land $31,292 Building $121,841$459,399 (+5.91%) Land $93,876 Building $365,523
2021$10,443.00 Homeowner's exemption$144,588 Land $29,546 Building $115,042$433,764 Land $88,638 Building $345,126

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), as of October 8, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170898524072, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 in force

Wildfire

Wildfire RiskNot rated
no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
Verizon
Fixed Wireless		300 / 20
T-Mobile USA
Fixed Wireless		100 / 20
AT&T
Fixed Wireless · DSL		100 / 20

May also be available: Opiquad.

Based on FCC filings for 138 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system IL0890110, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemWASCO SD
serves 4,000 people
Water SourceGroundwater
Last State InspectionFeb 2024
Lead2 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.

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