520 Monroe Ave, Saint Charles, IL 60174 Property Records

Kane County property record for 520 Monroe Ave, Saint Charles, IL 60174 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,714 sqft · built 2003
Lot Size	0.12 acres (5,238 sqft)
Owner	2 Individual Names on File
Last Sale	$301,000 (Jul 2004)
Tax Bill	$8,275 (2025)
Deeds & Mortgages	Feb 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-34-228-005`

Property Details

APN / Parcel Number

Primary APN	`09-34-228-005`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,714 sqft Living Area
Basement Area	857 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,238 sqft (0.12 acres)
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	520 MONROE AVE
City	SAINT CHARLES
State	IL
Zip	60174-3041
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 IN BLK 13 OF MINARD FERSON AND HUNTS THIRD ADD
Legal Subdivision	MINARD FERSON AND HUNTS THIRD ADD
Legal Block	13
Legal Lot Number	5
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2000
Census Tract	852002

Owner

Source: Kane County records · APN 09-34-228-005

Assessment roll updated August 25, 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	520 MONROE AVE, SAINT CHARLES, IL 60174-3041
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 28, 2004 · Amount on Record
Deed Sale	Jul 28, 2004 · Amount on Record
Prior Sale	Jul 21, 2003 · Amount on Record
Deed Document Number	2004101084
Record Updated	Sep 20, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	520 MONROE AVE, ST CHARLES, IL 60174-3041
Document Number	0000020081
Instrument Date	Feb 27, 2020
Transaction Type	Mortgage
Record Updated	Jul 07, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	520 MONROE AVE ST CHARLES IL 601743041, ST CHARLES, IL 60174-3041

Mortgage

Document Number	0000020081
Date	Apr 22, 2020
Instrument	20081

Lender

Name	DUPAGE CU
Type	Credit Union
Address	NAPERVILLE, IL 60567

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 21, 2035

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 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

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	$8,275.00 (+6.01%) Homeowner's exemption
2024		$116,097 (+14.65%) Land $25,807 Building $90,290	$348,430 (+14.7%) Land $77,452 Building $270,978
2022	$7,806.00 (+5.74%) Homeowner's exemption	$101,258 (+4.91%) Land $23,242 Building $78,016	$303,774 (+4.91%) Land $69,726 Building $234,048
2021	$7,382.00 Homeowner's exemption	$96,519 Land $22,154 Building $74,365	$289,557 Land $66,462 Building $223,095

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170898520022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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, rainfall accumulation, Severe Storms And Flooding
Claims By Storm	Severe Storms And Flooding, Sep 2008 · 7 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 492 locations within about half a mile of this property

Provider	Technology	Download / Upload (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	100 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.