Kane County property record for 501 River Ridge Dr, Saint Charles, IL 60175
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 4,243 sqft · built 2005 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $775,000 (Aug 2021) |
| Tax Bill | $21,390 (2025) |
| Deeds & Mortgages | Nov 2023 Line of Credit Aug 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-16-228-021 |
| Primary APN | 09-16-228-021 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 4,243 sqft Living Area |
| Basement Area | 1,442 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Brick Veneer |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 21,780 sqft (0.5 acres) |
| Garage Type | Attached |
| Garage Area | 1,190 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Open Porch |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 501 RIVER RIDGE DR |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60175-5675 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RIVERS EDGE - PHASE I LOT 37 |
| Legal Subdivision | RIVERS EDGE |
| Legal Phase | 1 |
| Legal Block | 2 |
| Legal Lot Number | 37 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 852103 |
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 Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 501 RIVER RIDGE DR, SAINT CHARLES, IL 60175-5675 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Nov 21, 2023 | Deed of Trust, Mortgage · Line of Credit ASSOCIATED BANK NA |
| Aug 17, 2021 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Feb 6, 2017 | Deed of Trust, Mortgage · Conventional Mortgage MIDWEST COMMUNITY BANK |
| Dec 6, 2019 | Deed of Trust, Mortgage · Commercial Mortgage FIFTH THIRD BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 17, 2021 · Amount on Record |
| Deed Sale | Aug 17, 2021 · Amount on Record |
| Prior Sale | Dec 2, 2015 · Amount on Record |
| Deed Document Number | 202162818 |
| Prior Transfer Date | Jun 21, 2016 |
| Prior Transfer Doc | 0000036768 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 501 RIVER RIDGE DR, ST CHARLES, IL 60175-5675 |
| Transaction Type | Mortgage |
| Record Updated | Nov 28, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000040935 |
|---|---|
| Date | Nov 21, 2023 |
| Instrument | 2023K040935 |
| Name | ASSOCIATED BANK NA |
|---|---|
| Type | Bank |
| Address | GREEN BAY, WI 54301 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 28, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Aug 17, 2021 |
| Property Address | 501 RIVER RIDGE DR, ST CHARLES, IL 60175-5675 |
| Document Number | 0000062818 |
| Map Reference | DOC 2001K035260 |
| Instrument Date | Jul 28, 2021 |
| Instrument | 2021K062818 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2021 |
| Title Company | FIDELITY NATIONAL TITLE INSURANCE NY, FIDELITY NATIONAL TITLE INS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $775.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 501 RIVER, SAINT CHARLES, IL 60175 |
| Document Number | 0000062819 |
|---|---|
| Date | Aug 17, 2021 |
| Instrument | 2021K062819 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 501 RIVER RIDGE DR, ST CHARLES, IL 60175-5675 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000007074 |
|---|---|
| Date | Feb 6, 2017 |
| Instrument | 2017K007074 |
| Name | MIDWEST COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | 04501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 501 RIVER RIDGE DR, ST CHARLES, IL 60175-5675 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000059001 |
|---|---|
| Date | Dec 6, 2019 |
| Instrument | 2019K059001 |
| Name | FIFTH THIRD BANK |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Nov 25, 2049 |
Source: Kane County assessment roll, as of July 23, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $21,390.00 (+2.77%) Homeowner's exemption | $312,987 (+8.53%) Land $66,687 Building $246,300 | $939,337 (+8.53%) Land $200,141 Building $739,196 |
| 2024 | $20,813.00 (+12.66%) | $288,388 (+22.82%) Land $61,446 Building $226,942 | $865,510 (+22.87%) Land $184,412 Building $681,098 |
| 2022 | $18,474.00 (+14.78%) Homeowner's exemption | $234,805 (+15.47%) Land $66,885 Building $167,920 | $704,415 (+15.47%) Land $200,655 Building $503,760 |
| 2021 | $16,095.00 Homeowner's exemption | $203,350 Land $63,755 Building $139,595 | $610,050 Land $191,265 Building $418,785 |
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.
Source: FEMA National Flood Hazard Layer, effective October 8, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 43 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 | 100 / 20 |
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