Kane County property record for 511 S 5th Ave, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,604 sqft · built 1925 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $240,000 (Apr 2005) |
| Tax Bill | $7,817 (2025) |
| Deeds & Mortgages | Feb 2018 Line of Credit Apr 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-34-217-007 |
| Primary APN | 09-34-217-007 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,604 sqft Living Area |
| Basement Area | 698 sqft |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Custom Design |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 5,000 sqft (0.115 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 369 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
| Deck Area | Deck Area |
| Cooling System | Window A/C |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 511 S 5TH AVE |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-2927 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MAP AREA: 008-SEOLDTWN STC,AVE |
| Legal Subdivision | MINARD FERSON&HUNTS |
| Legal Block | 1 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 1 |
| Census Block | 1059 |
| Census Tract | 852300 |
Source: Kane County assessment roll, APN 09-34-217-007, as of 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 511 S 5TH AVE, SAINT CHARLES, IL 60174-2927 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Feb 06, 2018 | Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA |
| Apr 16, 2018 | Deed of Trust, Mortgage · Conventional Mortgage BMO HARRIS BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 13, 2005 · Amount on Record |
| Deed Sale | Apr 13, 2005 · Amount on Record |
| Deed Document Number | 200540898 |
| Prior Transfer Date | Sep 24, 2004 |
| Prior Transfer Doc | 0000002404 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 511 S 5TH AVE, SAINT CHARLES, IL 60174-2927 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000006066 |
|---|---|
| Date | Feb 06, 2018 |
| Instrument | 2018K006066 |
| Name | BMO HARRIS BANK NA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60690 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 05, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.74% |
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 511 S 5TH AVE, SAINT CHARLES, IL 60174-2927 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | ACQUEST TITLE SVCS LLC |
| Name | Verified Name |
|---|
| Document Number | 0000017241 |
|---|---|
| Date | Apr 16, 2018 |
| Instrument | 2018K017241 |
| Name | BMO HARRIS BANK NA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60690 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 01, 2033 |
Source: Kane County assessment roll as of August 25, 2025 · Last verified July 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) |
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 | $7,817.00 (+11.01%) Homeowner's exemption | ||
| 2024 | $110,079 (+18.09%) Land $25,807 Building $84,272 | $330,369 (+18.13%) Land $77,452 Building $252,917 | |
| 2022 | $7,042.00 (+4.22%) Homeowner's exemption | $93,219 (+4.91%) Land $23,242 Building $69,977 | $279,657 (+4.91%) Land $69,726 Building $209,931 |
| 2021 | $6,757.00 Homeowner's exemption | $88,856 Land $22,154 Building $66,702 | $266,568 Land $66,462 Building $200,106 |
Source: FEMA National Flood Hazard Layer, Kane County (17089C), as of October 8, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170898523001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| 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 |
|
| 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.
Source: FCC Broadband Data Collection, 492 locations within half a mile, 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 |
Source: EPA Safe Drinking Water Information System, water system IL0894830, 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 |
| 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.
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