514 State Ave, Saint Charles, IL 60174 Property Records

Kane County property record for 514 State Ave, Saint Charles, IL 60174

Property Summary

Property Type	Single Family Home
Details	7 bd · 2.5 ba · 2,316 sqft · built 1930
Lot Size	0.251 acres (10,950 sqft)
Owner	Company Name on Record
Last Sale	$410,000 (May 2008)
Tax Bill	$10,378 (2025)
Deeds & Mortgages	Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-27-453-007`

Property Details

APN / Parcel Number

Primary APN	`09-27-453-007`

Interior

Bedrooms	7 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,316 sqft Living Area
Basement Area	1,086 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1979
Exterior Material	Brick
Roof Type	Hip
Roof Material	Asphalt
Lot Area	10,950 sqft (0.251 acres)

Exterior Amenities

Porch	Open Porch
Deck Area	Deck Area
Shed	1 Shed
Shed Area	250 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	514 STATE AVE
City	SAINT CHARLES
State	IL
Zip	60174-3066
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAP AREA: 171-CONVAPARTMENTS
Legal Subdivision	STC-ORIGINAL TOWN
Legal Block	1
Legal Lot Number	7,2
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	1
Census Block	1002
Census Tract	852300

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	333 N RANDALL RD, 120, SAINT CHARLES, IL 60174-1500
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 8, 2008 · Amount on Record
Deed Sale	May 8, 2008 · Amount on Record
Deed Document Number	200839594
Prior Transfer Date	Mar 20, 1997
Prior Transfer Doc	0000083554
Record Updated	Oct 29, 2026

December 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Dec 13, 2019
Property Address	514 STATE AVE, ST CHARLES, IL 60174-3066
Document Number	0000060590
Instrument Date	Dec 9, 2019
Instrument	2019K060590
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	333 NORTH AVE RANDALL RD120, 333, SAINT CHARLES, IL 60174-1243

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	333 N RANDALL RD STE 120, 120, SAINT CHARLES, IL 60174-1500

Mortgage

Document Number	0000060591
Date	Dec 13, 2019
Instrument	2019K060591

Lender

Name	AMERICAN BANK & TRUST CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$10,378.00 (+7.57%)	$147,987 (+8.53%) Land $39,679 Building $108,308	$444,139 (+8.53%) Land $119,085 Building $325,054
2024		$136,355 (+14.11%) Land $36,560 Building $99,795	$409,229 (+14.16%) Land $109,724 Building $299,505
2022	$9,648.00 (+3.62%)	$119,494 (+4.67%) Land $32,926 Building $86,568	$358,482 (+4.67%) Land $98,778 Building $259,704
2021	$9,311.00	$114,165 Land $31,649 Building $82,516	$342,495 Land $94,947 Building $247,548

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

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
Nearest Special Flood Hazard Area	Zone AE, within 100 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

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

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 492 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20