520 State St, Saint Charles, IL 60174 Property Records

Kane County property record for 520 State St, Saint Charles, IL 60174

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,615 sqft · built 1925
Lot Size	0.182 acres (7,920 sqft)
Owner	2 Individual Names on File
Last Sale	$386,000 (Oct 2022)
Tax Bill	$8,353 (2025)
Deeds & Mortgages	Feb 2026 Second Mortgage Oct 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-27-351-008`

Property Details

APN / Parcel Number

Primary APN	`09-27-351-008`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,615 sqft Living Area
Basement Area	761 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1979
Architectural Style	Victorian
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,920 sqft (0.182 acres)
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	520 STATE ST
City	SAINT CHARLES
State	IL
Zip	60174-1749
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE WESTERLY 1/2 OF LOTS 12 & 13 IN BLK 1 OF T E RYANS ADD
Legal Subdivision	T E RYANS ADD
Legal Block	1
Legal Lot Number	12,13
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	1
Census Block	1013
Census Tract	852203

Owner

520 State St is owned and occupied by two individuals who bought it in October 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	520 STATE ST, SAINT CHARLES, IL 60174-1749
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 19, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SOFI BANK NA
Oct 17, 2022	Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Feb 8, 2021	Intrafamily Transfer, Transfer
May 18, 2020	Warranty Deed, Transfer · Conventional Mortgage PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2022 · Amount on File
Deed Sale	Oct 17, 2022 · Amount on File
Prior Sale	May 18, 2020 · Amount on File
Deed Document Number	202250717
Prior Transfer Date	Dec 17, 2020
Prior Transfer Doc	0000010467
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	520 STATE ST, ST CHARLES, IL 60174-1749
Transaction Type	Mortgage
Record Updated	Mar 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006680
Date	Feb 19, 2026
Instrument	2026K006680

Lender

Name	SOFI BANK NA
Type	Bank
Address	SALT LAKE CITY, UT 84121

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

Interest

Rate Type	Fixed Rate
Rate	8.34%

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	KANE IL
Recording Date	Oct 17, 2022
Property Address	520 STATE ST, ST CHARLES, IL 60174-1749
Document Number	0000050717
Instrument Date	Oct 7, 2022
Instrument	2022K050717
Transaction Type	Transfer
Record Updated	Oct 21, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$386.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 STATE ST, ST CHARLES, IL 60174-1749

Mortgage

Document Number	0000050718
Date	Oct 17, 2022
Instrument	2022K050718

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Feb 8, 2021
Property Address	520 STATE ST, ST CHARLES, IL 60174-1749
Document Number	0000010467
Instrument Date	Dec 17, 2020
Instrument	2021K010467
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 STATE ST, SAINT CHARLES, IL 60174-1749

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 18, 2020
Property Address	520 STATE ST, ST CHARLES, IL 60174-1749
Document Number	0000025251
Instrument Date	May 15, 2020
Instrument	2020K025251
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$277.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	520 STATE ST, 520, SAINT CHARLES, IL 60174-1749

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	520 STATE ST, SAINT CHARLES, IL 60174-1749

Mortgage

Document Number	0000025252
Date	May 18, 2020
Instrument	2020K025252

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

Interest

Rate	3.12%

Tax Assessment & Valuation

The 2025 property tax bill for 520 State St was $8,353 with a homeowner's exemption, up 3.1% from the year before.

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	$8,353.00 (+3.14%) Homeowner's exemption	$127,101 (+8.53%) Land $28,292 Building $98,809	$381,456 (+8.53%) Land $84,910 Building $296,546
2024	$8,099.00	$117,111 Land $26,068 Building $91,043	$351,474 Land $78,235 Building $273,238
2022	$6,132.00 (+4.25%) Homeowner's exemption	$81,956 (+4.91%) Land $25,308 Building $56,648	$245,868 (+4.91%) Land $75,924 Building $169,944
2021	$5,882.00 Homeowner's exemption	$78,121 Land $24,124 Building $53,997	$234,363 Land $72,372 Building $161,991

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

FEMA maps place 520 State St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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	1 in force

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

The area around 520 State St has no burnable land within ember reach, so its wildfire risk is not rated.

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 341 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 Fixed Wireless · Fiber, DSL in parts of the area	100 / 20

May also be available: Frontier.

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