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511 S 7th St, Saint Charles, IL 60174 Property Records

Kane County property record for 511 S 7th St, Saint Charles, IL 60174

Property Summary

Property TypeSingle Family Home
Details4 bd · 1.5 ba · 2,888 sqft · built 2008
Lot Size0.291 acres (12,685 sqft)
Owner2 Individual Names on File
Last Sale$800,000 (Oct 2025)
Tax Bill$13,625 (2025)
Deeds & MortgagesOct 2025 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN09-33-277-058

Property Details

APN / Parcel Number

Primary APN09-33-277-058

Interior

Bedrooms4 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Stories2 Stories
Building Area2,888 sqft Living Area
Basement Area1,301 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2008
Effective Year BuiltEffective 2008
Exterior MaterialCombination
Construction TypeFrame
Roof TypeGable
Roof MaterialAsphalt
Lot Area12,685 sqft (0.291 acres)
Garage TypeDetached
Garage Area484 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Street Address511 S 7TH ST
CitySAINT CHARLES
StateIL
Zip60174-2608
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionPT LT 13 IN MOODYS ADD DESC IN DOC 2006K100601
Legal Range08
Legal Township40
Legal Section33
Legal SubdivisionMOODYS ADD
Legal Block4
Legal Lot Number13
JurisdictionKANE IL
Township / Civil DivisionST. CHARLES
Census Block Group4
Census Block4008
Census Tract852201

Owner

511 S 7th St is owned and occupied by two individuals who bought it in October 2025.

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

Owner of Record2 Individual Names on File
Mailing Address511 S 7TH ST, SAINT CHARLES, IL 60174-2608
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint 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

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 14, 2025 · Amount on File
Deed SaleOct 14, 2025 · Amount on File
Deed Document Number202540041
Record UpdatedSep 20, 2026

October 2025: Deed, Transfer

Document TypeDeed
JurisdictionKANE IL
Recording DateOct 14, 2025
Property Address511 S 7TH ST, ST CHARLES, IL 60174-2608
Document Number0000040041
Instrument DateOct 2, 2025
Instrument2025K040041
Transaction TypeTransfer
Record UpdatedOct 23, 2025
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$800.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address511 S 7TH ST, SAINT CHARLES, IL 60174-2608

Mortgage

Document Number0000040043
DateOct 14, 2025
Instrument2025K040043
Lender
NameKEY MORTGAGE SERVICES INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueNov 1, 2055
Interest
Rate TypeFixed Rate
Rate6.62%

Tax Assessment & Valuation

The 2025 property tax bill for 511 S 7th St was $13,625, up 3.3% from the year before.

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionSt. Charles Township
MunicipalitySt. Charles City
Unified School DistrictSt. Charles Community Unit School District 303 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$13,625.00 (+3.27%) Homeowner's exemption Senior Citizen's exemption$210,270 (+8.53%) Land $48,500 Building $161,770$631,062 (+8.53%) Land $145,558 Building $485,504
2024$13,194.00 Homeowner's exemption$193,744 Land $44,688 Building $149,056$581,465 Land $134,118 Building $447,347
2022$12,074.00 (+4.24%) Homeowner's exemption$160,548 (+4.91%) Land $44,271 Building $116,277$481,644 (+4.91%) Land $132,813 Building $348,831
2021$11,583.00 Homeowner's exemption$153,034 Land $42,199 Building $110,835$459,102 Land $126,597 Building $332,505

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 S 7th St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 511 S 7th St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 99.1% of the US · lower than 94% of Illinois
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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 SystemST CHARLES
serves 33,081 people · EPA ID IL0894830
Water SourceGroundwater
Last State InspectionOct 2022
Lead4 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 405 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Metronet
Fiber		5,120 / 5,120
Xfinity
Cable		1,200 / 35
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

May also be available: AT&T.

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