518 Monroe Ave, Saint Charles, IL 60174 Property Records

Kane County property record for 518 Monroe Ave, Saint Charles, IL 60174

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,326 sqft · built 1957
Lot Size	0.105 acres (4,558 sqft)
Owner	2 Individual Names on File
Last Sale	$240,500 (Jun 2018)
Tax Bill	$7,174 (2025)
Deeds & Mortgages	Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-34-228-004`

Property Details

APN / Parcel Number

Primary APN	`09-34-228-004`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,326 sqft Living Area
Basement Area	780 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1974
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,558 sqft (0.105 acres)
Lot Dimensions	98 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Water Source	Commercial

Location & Zoning

Street Address	518 MONROE AVE
City	SAINT CHARLES
State	IL
Zip	60174-3041
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 IN BLOCK 13 OF MINARD, FERSON & HUNTS THIRD ADDITION TO ST CHARLES
Legal Subdivision	MINARD FERSON&HUNTS THIRD ADDN
Legal Block	13
Legal Lot Number	4
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2000
Census Tract	852002

Owner

Source: Kane County assessment roll, as of August 25, 2025

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	518 MONROE AVE, SAINT CHARLES, IL 60174-3041
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 22, 2018 · Amount on Record
Deed Sale	Jun 22, 2018 · Amount on Record
Prior Sale	Jan 8, 2007 · Amount on Record
Deed Document Number	201829796
Prior Transfer Date	Dec 7, 2016
Prior Transfer Doc	0000067819
Record Updated	Sep 20, 2026

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 22, 2018
Property Address	518 MONROE AVE, ST CHARLES, IL 60174-3041
Document Number	0000029796
Instrument Date	Jun 15, 2018
Instrument	2018K029796
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	BAIRD & WARNER TITLE SERVICE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$240.50
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	352 BRITTANY CT APT G, G, GENEVA, IL 60134-3668

Mortgage

Document Number	0000029797
Date	Jun 22, 2018
Instrument	2018K029797

Lender

Name	COMPASS MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

Interest

Rate Type	Fixed Rate
Rate	5.5%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of August 25, 2025

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	$7,174.00 (+9.73%)
2024		$94,262 (+16.4%) Land $25,807 Building $68,455	$282,899 (+16.45%) Land $77,452 Building $205,447
2022	$6,538.00 (+3.86%)	$80,978 (+4.91%) Land $23,242 Building $57,736	$242,934 (+4.91%) Land $69,726 Building $173,208
2021	$6,295.00	$77,188 Land $22,154 Building $55,034	$231,564 Land $66,462 Building $165,102

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	8 (1979–2008)
Most Recent Claim	Sep 2008 · Severe Storms And Flooding
Claims by Event	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	Low lower than 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 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