Kane County property record for 518 S 5th Ave, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,274 sqft · built 1974 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $2,675,000 (May 2017) |
| Tax Bill | $7,286 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Apr 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-34-218-004 |
| Primary APN | 09-34-218-004 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,274 sqft Living Area |
| 1st Floor Area | 1,274 sqft |
| Basement Area | 1,274 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Raised Ranch |
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,000 sqft (0.115 acres) |
| Garage Type | Attached |
| Garage Area | 460 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 518 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 THE SLY 50 FT OF THE WLY 100 FT OF 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, 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 | 518 S 5TH AVE, SAINT CHARLES, IL 60174-2928 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 30, 2021 | Deed of Trust, Mortgage ILLINOIS HOUSING DEVELOPMENT AUTHORITY |
| Apr 3, 2020 | Deed of Trust, Mortgage · FHA Mortgage THE FEDERAL SAVINGS BANK |
| Dec 29, 2017 | Deed of Trust, Mortgage · FHA Mortgage THE FEDERAL SAVINGS BANK |
| May 5, 2017 | Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 5, 2017 · Amount on Record |
| Deed Sale | May 5, 2017 · Amount on Record |
| Prior Sale | Mar 2, 2015 · Amount on Record |
| Deed Document Number | 201722750 |
| Prior Transfer Date | Nov 20, 2012 |
| Prior Transfer Doc | 0000083416 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 518 S 5TH AVE, ST CHARLES, IL 60174-2928 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000089319 |
|---|---|
| Date | Nov 30, 2021 |
| Instrument | 2021K089319 |
| Name | ILLINOIS HOUSING DEVELOPMENT AUTHORITY |
|---|---|
| Type | Government Agency |
| Address | CHICAGO, IL 60601 |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 518 S 5TH AVE, ST CHARLES, IL 60174-2928 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000016629 |
|---|---|
| Date | Apr 3, 2020 |
| Instrument | 2020K016629 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60607 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.87% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 518 S 5TH AVE, ST CHARLES, IL 60174-2928 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000067584 |
|---|---|
| Date | Dec 29, 2017 |
| Instrument | 2017K067584 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60607 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Jan 1, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.25% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | May 5, 2017 |
| Property Address | 518 S 5TH AVE, ST CHARLES, IL 60174-2928 |
| Document Number | 0000022750 |
| Instrument Date | Apr 19, 2017 |
| Instrument | 22750 |
| Transaction Type | Transfer |
| Record Updated | May 24, 2017 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,012.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2550 LEHMAN DR WEST CHICAGO IL 601856171, WEST CHICAGO, IL 60185-6171 |
| Document Number | 22751 |
|---|---|
| Date | May 5, 2017 |
| Instrument | 22751 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 4, 2047 |
| Rate | 4.37% |
|---|
Source: Kane County assessment roll, as of July 23, 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,286.00 (+11.22%) Homeowner's exemption | $111,895 (+8.53%) Land $28,008 Building $83,887 | $335,819 (+8.53%) Land $84,058 Building $251,762 |
| 2024 | $103,101 (+18.31%) Land $25,807 Building $77,294 | $309,427 (+18.36%) Land $77,452 Building $231,975 | |
| 2022 | $6,551.00 (+4.23%) Homeowner's exemption | $87,146 (+4.91%) Land $23,242 Building $63,904 | $261,438 (+4.91%) Land $69,726 Building $191,712 |
| 2021 | $6,285.00 Homeowner's exemption | $83,067 Land $22,154 Building $60,913 | $249,201 Land $66,462 Building $182,739 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 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 |
|
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: 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.
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 |
| 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.
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 |
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