Kane County property record for 514 S 5th Ave, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,503 sqft · built 1930 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $390,000 (Dec 2024) |
| Tax Bill | $7,473 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Jun 2021 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-34-218-003 |
| Primary APN | 09-34-218-003 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,503 sqft Living Area |
| Basement Area | 884 sqft |
| Interior Walls | Plaster |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Bungalow |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,000 sqft (0.115 acres) |
| Lot Dimensions | 80 ft deep x 80 ft wide |
| Garage Type | Detached |
| Garage Area | 324 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Window A/C |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 514 S 5TH AVE |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-2928 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MINARD, FERSON & HUNTS 2ND ADD. NLY 50 FT OF SLY 100 FT OF WLY 100 FT BLK 1 |
| 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 |
Source: Kane County records · APN 09-34-218-003
Assessment roll updated December 26, 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 | 538 E HAWTHORNE BLVD, WHEATON, IL 60187-3626 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Nov 12, 2025 | Deed of Trust, Mortgage · Conventional Mortgage COMPASS MORTGAGE INC |
| Jun 07, 2021 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| May 04, 2021 | Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| May 27, 2020 | Warranty Deed, Transfer · Conventional Mortgage HOMESIDE FINANCIAL LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 23, 2024 · Amount on Record |
| Deed Sale | Dec 23, 2024 · Amount on Record |
| Prior Sale | May 04, 2021 · Amount on Record |
| Deed Document Number | 202447620 |
| Prior Transfer Date | May 28, 2021 |
| Prior Transfer Doc | 0000043383 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 514 S 5TH AVE, ST CHARLES, IL 60174-2928 |
| Transaction Type | Mortgage |
| Record Updated | Nov 26, 2025 |
| Title Company | CARRINGTON TITLE PARTNERS LLC, CARRINGTON TTL PARTNERS LLC |
| Name | Verified Name |
|---|---|
| Address | 514 S 5TH AVE, SAINT CHARLES, IL 60174-2928 |
| Document Number | 0000044929 |
|---|---|
| Date | Nov 12, 2025 |
| Instrument | 2025K044929 |
| Name | COMPASS MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | WARRENVILLE, IL 60555 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2055 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.87% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jun 07, 2021 |
| Property Address | 514 S 5TH AVE, ST CHARLES, IL 60174-2928 |
| Document Number | 0000043383 |
| Instrument Date | May 28, 2021 |
| Instrument | 2021K043383 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 514 S 5TH AVE, SAINT CHARLES, IL 60174-2928 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | May 04, 2021 |
| Property Address | 514 S 5TH AVE, ST CHARLES, IL 60174-2928 |
| Document Number | 0000035051 |
| Instrument Date | Apr 29, 2021 |
| Instrument | 2021K035051 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2021 |
| Title Company | BAIRD AND WARNER TITLE SERVICES INC, BAIRD & WARNER TTL SVCS INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $270.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 514 S 5TH AVE, 514, SAINT CHARLES, IL 60174-2928 |
| Name | Verified Name |
|---|---|
| Address | 514 S 5TH AVE, SAINT CHARLES, IL 60174-2928 |
| Document Number | 0000035053 |
|---|---|
| Date | May 04, 2021 |
| Instrument | 2021K035053 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2051 |
| Document Number | 0000035054 |
|---|---|
| Date | May 04, 2021 |
| Instrument | 2021K035054 |
| Name | UNITED STATES OF AMERICA |
|---|---|
| Type | Government Agency |
| Address | CHICAGO, IL 60601 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | May 27, 2020 |
| Property Address | 514 S 5TH AVE, ST CHARLES, IL 60174-2928 |
| Document Number | 0000027262 |
| Instrument Date | May 15, 2020 |
| Instrument | 2020K027262 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | BAIRD & WARNER TTL SVCS INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $248.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1643 N HUDSON AVE, 1643, CHICAGO, IL 60614-5608 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 514 S 5TH AVE, SAINT CHARLES, IL 60174-2928 |
| Document Number | 0000027263 |
|---|---|
| Date | May 27, 2020 |
| Instrument | 2020K027263 |
| Name | HOMESIDE FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.25% |
Source: Kane County records · Assessment roll updated December 26, 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 | $7,473.00 (+19.05%) | ||
| 2024 | $96,743 (+15.52%) Land $25,807 Building $70,936 | $290,345 (+15.57%) Land $77,452 Building $212,893 | |
| 2022 | $6,277.00 (+4.25%) Homeowner's exemption | $83,745 (+4.91%) Land $23,242 Building $60,503 | $251,235 (+4.91%) Land $69,726 Building $181,509 |
| 2021 | $6,021.00 Homeowner's exemption | $79,825 Land $22,154 Building $57,671 | $239,475 Land $66,462 Building $173,013 |
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 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.
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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