Kane County property record for 520 State Ave, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 528 sqft · built 1930 |
| Lot Size | 0.166 acres (7,250 sqft) |
| Owner | Company Name on Record |
| Last Sale | $200,000 (May 2022) |
| Tax Bill | $5,895 (2025) |
| Deeds & Mortgages | Jun 2022 Mortgage May 2022 Sale + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-27-453-006 |
| Primary APN | 09-27-453-006 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 528 sqft Living Area |
| 1st Floor Area | 528 sqft |
| Basement Area | 528 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Ranch |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,250 sqft (0.166 acres) |
| Garage Type | Attached |
| Garage Area | 220 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 520 STATE AVE |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-2136 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 30 1 EX W19.55 OWN OF SAINT CHARLE |
| Legal Subdivision | STC-ORIGINAL TOWN |
| Legal Block | 1 |
| Legal Lot Number | 1,8 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 852300 |
Source: Kane County records, as of July 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 10 ILLINOIS ST, 2B, SAINT CHARLES, IL 60174-2876 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Jun 14, 2022 | Deed of Trust, Mortgage · Commercial Mortgage AMERICAN EAGLE BANK |
| May 19, 2022 | Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Jan 24, 2022 | Deed of Trust, Mortgage · Line of Credit AMERICAN EAGLE BANK |
| Jan 7, 2022 | Special Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Oct 5, 2021 | Sheriff's Deed, Foreclosure |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 19, 2022 · Amount on Record |
| Deed Sale | May 19, 2022 · Amount on Record |
| Prior Sale | Jan 7, 2022 · Amount on Record |
| Deed Document Number | 202226910 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 520 STATE AVE, ST CHARLES, IL 60174-2136 |
| Transaction Type | Mortgage |
| Record Updated | Jun 20, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000030934 |
|---|---|
| Date | Jun 14, 2022 |
| Instrument | 2022K030934 |
| Name | AMERICAN EAGLE BANK |
|---|---|
| Type | Bank |
| Address | SOUTH ELGIN, IL 60177 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jun 25, 2027 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.75% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | May 19, 2022 |
| Property Address | 520 STATE AVE, ST CHARLES, IL 60174-2136 |
| Document Number | 0000026910 |
| Instrument Date | May 19, 2022 |
| Instrument | 2022K026910 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $200.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10 ILLINOIS ST UNIT 2B, 2B, SAINT CHARLES, IL 60174-2876 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 520 STATE AVE, ST CHARLES, IL 60174-2136 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000004648 |
|---|---|
| Date | Jan 24, 2022 |
| Instrument | 2022K004648 |
| Name | AMERICAN EAGLE BANK |
|---|---|
| Type | Bank |
| Address | SOUTH ELGIN, IL 60177 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jan 7, 2022 |
| Property Address | 520 STATE AVE, ST CHARLES, IL 60174-2136 |
| Document Number | 0000001416 |
| Instrument Date | Dec 27, 2021 |
| Instrument | 2022K001416 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $133.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 440 S LA SALLE ST # ST20TH, 440, CHICAGO, IL 60605-1028 |
| Name | Verified Name |
|---|---|
| Address | 10 ILLINOIS ST UNIT 2B, 2B, SAINT CHARLES, IL 60174-2876 |
| Document Type | Sheriff's Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Oct 5, 2021 |
| Property Address | 520 STATE AVE, ST CHARLES, IL 60174-2136 |
| Document Number | 0000075450 |
| Instrument Date | Sep 21, 2021 |
| Instrument | 2021K075450 |
| Transaction Type | Foreclosure |
| Record Updated | Oct 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 425 S FINANCIAL PL # 2000, 2000, CHICAGO, IL 60605-1000 |
Source: Kane County assessment roll, as of December 26, 2025
| 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 | $5,895.00 (+47.04%) | ||
| 2024 | $71,660 (+44.32%) Land $30,108 Building $41,552 | $215,066 (+44.38%) Land $90,360 Building $124,706 | |
| 2022 | $4,009.00 (+1.14%) | $49,652 (-9.08%) Land $27,116 Building $22,536 | $148,956 (-9.08%) Land $81,348 Building $67,608 |
| 2021 | $3,964.00 Homeowner's exemption | $54,612 Land $25,847 Building $28,765 | $163,836 Land $77,541 Building $86,295 |
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.
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 |
|
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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