508 S 5th Ave, Saint Charles, IL 60174 Property Records

Kane County property record for 508 S 5th Ave, Saint Charles, IL 60174

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,216 sqft · built 1924
Lot Size	0.115 acres (5,000 sqft)
Owner	Individual Name on File
Last Sale	$260,000 (Sep 2016)
Tax Bill	$7,374 (2025)
Deeds & Mortgages	May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-34-218-002`

Property Details

APN / Parcel Number

Primary APN	`09-34-218-002`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,216 sqft Living Area
1st Floor Area	1,216 sqft
Basement Area	1,216 sqft
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1974
Exterior Material	Brick Veneer
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,000 sqft (0.115 acres)
Garage Type	Attached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	508 S 5TH AVE
City	SAINT CHARLES
State	IL
Zip	60174-2928
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SLY 50 FT OF NLY 100 FT OF WLY 100 FT OF BLK 1 IN MINARD, FERSON & HUNTS 2ND ADD
Legal Subdivision	MINARD FERSON&HUNTS 2ND ADD
Legal Block	1
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	1
Census Block	1058
Census Tract	852300

Owner

Source: Kane County records · APN 09-34-218-002

Assessment roll updated August 25, 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 Record	Individual Name on File
Mailing Address	508 S 5TH AVE, SAINT CHARLES, IL 60174-2928
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 09, 2016 · Amount on Record
Deed Sale	Sep 09, 2016 · Amount on Record
Prior Sale	Sep 09, 2010 · Amount on Record
Deed Document Number	201648287
Last Transfer Date	May 23, 2018
Transfer Doc	0000024917
Record Updated	Sep 20, 2026

May 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	May 30, 2018
Property Address	508 S 5TH AVE, ST CHARLES, IL 60174-2928
Document Number	0000024917
Instrument Date	May 23, 2018
Instrument	2018K024917
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	ACQUEST TITLE SERVICES LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	508 S 5TH AVE, SAINT CHARLES, IL 60174-2928

Mortgage

Document Number	0000024918
Date	May 30, 2018
Instrument	2018K024918

Lender

Name	BMO HARRIS BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Jun 01, 2025
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6.12%
Index	1-Year LIBOR
Max Rate	9.12%

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,374.00 (+11.24%) Homeowner's exemption
2024		$104,258 (+18.33%) Land $25,807 Building $78,451	$312,899 (+18.38%) Land $77,452 Building $235,447
2022	$6,629.00 (+4.23%) Homeowner's exemption	$88,106 (+4.91%) Land $23,242 Building $64,864	$264,318 (+4.91%) Land $69,726 Building $194,592
2021	$6,360.00 Homeowner's exemption	$83,982 Land $22,154 Building $61,828	$251,946 Land $66,462 Building $185,484

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 8, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	29 (1979–2020)
Claims Outside the SFHA	5 of 29
Most Recent Claim	May 2020 · rainfall accumulation
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 2 claims Severe Storms And Flooding, Sep 2008 · 7 claims

Wildfire

Wildfire Risk	Not 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

Provider	Max Down / Up (Mbps)
Metronet Holdings Fiber	5,120 / 5,120
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

Based on FCC filings for 492 locations within half a mile of this property.

Drinking Water

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

Water System	ST CHARLES serves 33,081 people
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 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.