511 Division St, Saint Charles, IL 60174 Property Records

Kane County property record for 511 Division St, Saint Charles, IL 60174

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,038 sqft · built 1953
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on File
Last Sale	$275,000 (Sep 2024)
Tax Bill	$5,638 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit Dec 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-35-382-028`

Property Details

APN / Parcel Number

Primary APN	`09-35-382-028`

Interior

Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,038 sqft Living Area
1st Floor Area	1,038 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1974
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,000 sqft (0.138 acres)
Shed	1 Shed
Shed Area	98 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	511 DIVISION ST
City	SAINT CHARLES
State	IL
Zip	60174-4384
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WESTERN SAMARITAN SUB.PT. VACATED - LOT 29
Legal Subdivision	WESTERN SAMARITAN SUB
Legal Block	2
Legal Lot Number	29
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2033
Census Tract	852002

Owner

511 Division St is owned and occupied by two individuals who bought it in September 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	511 DIVISION ST, SAINT CHARLES, IL 60174-4384
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Mar 13, 2023	Deed of Trust, Mortgage · Line of Credit BUSEY BANK
Dec 19, 2022	Warranty Deed, Transfer CHICAGO TITLE INSURANCE CO
Aug 14, 2019	Warranty Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2024 · Amount on File
Deed Sale	Sep 19, 2024 · Amount on File
Prior Sale	Dec 19, 2022 · Amount on File
Deed Document Number	202433973
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	511 DIVISION ST, ST CHARLES, IL 60174-4384
Transaction Type	Mortgage
Record Updated	Mar 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007644
Date	Mar 13, 2023
Instrument	2023K007644

Lender

Name	BUSEY BANK
Type	Bank
Address	NAPERVILLE, IL 60540

Agreement

Type	Line of Credit
Amount	Amount on Record

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Dec 19, 2022
Property Address	511 DIVISION ST, ST CHARLES, IL 60174-4384
Document Number	0000059308
Instrument Date	Dec 13, 2022
Instrument	2022K059308
Transaction Type	Transfer
Record Updated	Dec 27, 2022
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Tax	$215.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	511 DIVISION ST # 3, 3, SAINT CHARLES, IL 60174-4384

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 DIVISION ST, SAINT CHARLES, IL 60174-4384

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 14, 2019
Property Address	511 DIVISION ST, ST CHARLES, IL 60174-4384
Document Number	0000036727
Instrument Date	Jul 26, 2019
Instrument	36727
Transaction Type	Transfer
Record Updated	Aug 23, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount on Record
Tax	$270.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1356 W MAIN ST ST CHARLES IL 601741663, ST CHARLES, IL 60174-1663

Tax Assessment & Valuation

The 2025 property tax bill for 511 Division St was $5,638.

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	$5,638.00	$80,395 (+8.53%) Land $30,312 Building $50,083	$241,282 (+8.53%) Land $90,972 Building $150,309
2024		$74,077 Land $27,930 Building $46,147	$222,320 Land $83,824 Building $138,496
2022	$4,295.00 (+4.42%) Homeowner's exemption	$59,206 (+4.91%) Land $23,980 Building $35,226	$177,618 (+4.91%) Land $71,940 Building $105,678
2021	$4,113.00 Homeowner's exemption	$56,435 Land $22,858 Building $33,577	$169,305 Land $68,574 Building $100,731

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

FEMA maps place 511 Division St in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1979.

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	2 in force
Nearby Flood Claims	8 (1979–2008)
Most Recent Claim	Sep 2008 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2008 · 7 claims

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 511 Division 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 353 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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