500 Cedar St, Saint Charles, IL 60174 Property Records

Kane County property record for 500 Cedar St, Saint Charles, IL 60174

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,333 sqft · built 1931
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$575,000 (Jul 2026)
Tax Bill	$7,412 (2025)
Deeds & Mortgages	Jul 2026 Sale May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-27-355-008`

Property Details

APN / Parcel Number

Primary APN	`09-27-355-008`

Interior

Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,333 sqft Living Area
Basement Area	784 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1931
Effective Year Built	Effective 1969
Exterior Material	Brick
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Detached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	500 CEDAR ST
City	SAINT CHARLES
State	IL
Zip	60174-1837
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MILLINGTONS ADD - LOT 8 IN BLK 1
Legal Subdivision	MILLINGTONS ADD
Legal Block	1
Legal Lot Number	8
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	1
Census Block	1012
Census Tract	852203

Owner

500 Cedar St is owned and occupied by two individuals who bought it in July 2026.

Source: Kane County records, as of August 5, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 391, GLENEDEN BEACH, OR 97388-0391
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Date	Document
Jul 27, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
May 7, 2020	Warranty Deed, Transfer · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2026 · Amount on File
Deed Sale	Jul 27, 2026 · Amount on File
Prior Sale	May 7, 2020 · Amount on File
Deed Document Number	202631918
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 27, 2026
Property Address	500 CEDAR ST, SAINT CHARLES, IL 60174-1837
Document Number	0000031918
Instrument Date	Jul 20, 2026
Instrument	202631918
Transaction Type	Transfer
Record Updated	Aug 5, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$87,112.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 7, 2020
Property Address	500 CEDAR ST, ST CHARLES, IL 60174-1837
Document Number	0000023202
Instrument Date	Apr 20, 2020
Instrument	2020K023202
Transaction Type	Transfer
Record Updated	Jul 27, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$270.00
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	500 CEDAR ST, SAINT CHARLES, IL 60174-1837

Mortgage

Document Number	0000023203
Date	May 7, 2020
Instrument	2020K023203

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.22%

Tax Assessment & Valuation

The 2025 property tax bill for 500 Cedar St was $7,412 with a homeowner's exemption, up 3.2% from the year before.

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	$7,412.00 (+3.2%) Homeowner's exemption	$113,946 (+8.53%) Land $28,292 Building $85,654	$341,975 (+8.53%) Land $84,910 Building $257,065
2024	$7,182.00	$104,990 Land $26,068 Building $78,922	$315,096 Land $78,235 Building $236,861
2022	$6,700.00 (+5.21%) Homeowner's exemption	$88,992 (+4.91%) Land $25,308 Building $63,684	$266,976 (+4.91%) Land $75,924 Building $191,052
2021	$6,368.00 Homeowner's exemption	$84,827 Land $24,124 Building $60,703	$254,481 Land $72,372 Building $182,109

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 500 Cedar 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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1 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 500 Cedar 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 341 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 Fixed Wireless · Fiber, DSL in parts of the area	100 / 20

May also be available: Frontier.

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