515 S 11th Ave, Saint Charles, IL 60174 Property Records

Kane County property record for 515 S 11th Ave, Saint Charles, IL 60174

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,064 sqft · built 1955
Lot Size	0.127 acres (5,530 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (Feb 2017)
Tax Bill	$5,068 (2025)
Deeds & Mortgages	Feb 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-34-231-009`

Property Details

APN / Parcel Number

Primary APN	`09-34-231-009`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,064 sqft Living Area
1st Floor Area	1,064 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1974
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Raised
Roof Type	Hip
Roof Material	Asphalt
Lot Area	5,530 sqft (0.127 acres)
Garage Type	Detached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	515 S 11TH AVE
City	SAINT CHARLES
State	IL
Zip	60174-3216
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 IN BLK 2 OF MODEL HOME ADD
Legal Subdivision	MODEL HOME ADD
Legal Block	2
Legal Lot Number	4
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	4
Census Block	4022
Census Tract	852002

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	515 S 11TH AVE, SAINT CHARLES, IL 60174-3216
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 6, 2017 · Amount on Record
Deed Sale	Feb 6, 2017 · Amount on Record
Prior Sale	Aug 26, 2009 · Amount on Record
Deed Document Number	20176883
Prior Transfer Date	Aug 5, 2016
Prior Transfer Doc	0000042204
Record Updated	Oct 29, 2026

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Feb 6, 2017
Property Address	515 S 11TH AVE, ST CHARLES, IL 60174-3216
Document Number	0000006883
Instrument Date	Jan 26, 2017
Instrument	2017K006883
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	BAIRD & WARNER TITLE SERVICE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$170.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 S 11TH AVE, SAINT CHARLES, IL 60174-3216

Mortgage

Document Number	0000006884
Date	Feb 6, 2017
Instrument	2017K006884

Lender

Name	BJV FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2047

Interest

Rate	4.42%

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	$5,068.00 (+8.73%) Homeowner's exemption	$80,264 (+8.53%) Land $28,008 Building $52,256	$240,888 (+8.53%) Land $84,058 Building $156,831
2024		$73,956 (+16.03%) Land $25,807 Building $48,149	$221,957 (+16.08%) Land $77,452 Building $144,505
2022	$4,661.00 (+4.39%) Homeowner's exemption	$63,738 (+4.91%) Land $23,242 Building $40,496	$191,214 (+4.91%) Land $69,726 Building $121,488
2021	$4,465.00 Homeowner's exemption	$60,755 Land $22,154 Building $38,601	$182,265 Land $66,462 Building $115,803

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	3 (1994–2020)
Claims Outside the SFHA	2 of 3
Most Recent Claim	May 2020 · rainfall accumulation

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