Kane County property record for 521 River Ridge Dr, Saint Charles, IL 60175
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 4,559 sqft · built 2002 |
| Lot Size | 0.5 acres (21,789 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $1,273,000 (May 2026) |
| Tax Bill | $20,513 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage Dec 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-16-228-020 |
| Primary APN | 09-16-228-020 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 4,559 sqft Living Area |
| Basement Area | 1,902 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 21,789 sqft (0.5 acres) |
| Garage Type | Attached |
| Garage Area | 764 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Street Address | 521 RIVER RIDGE DR |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60175-5675 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RIVERS EDGE - PHASE I LOT 38 |
| Legal Subdivision | RIVERS EDGE |
| Legal Phase | 1 |
| Legal Block | 2 |
| Legal Lot Number | 38 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 852103 |
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 | 24506 BELLA FLORENCE DR, RICHMOND, TX 77406-4566 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| May 22, 2026 | Warranty Deed, Transfer · Conventional Mortgage SIRVA MORTGAGE INC |
| Dec 7, 2020 | Deed of Trust, Mortgage · Conventional Mortgage TCF NATIONAL BANK |
| Sep 19, 2019 | Deed of Trust, Mortgage · ARM CHEMICAL BANK |
| Jun 12, 2018 | Trustee's Deed, Foreclosure · Conventional Mortgage WEICHERT FINANCIAL SERVICES |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 22, 2026 · Amount on Record |
| Deed Sale | May 22, 2026 · Amount on Record |
| Prior Sale | Jun 12, 2018 · Amount on Record |
| Deed Document Number | 202621188 |
| Prior Transfer Date | Feb 9, 2016 |
| Prior Transfer Doc | 0000009037 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | May 22, 2026 |
| Property Address | 521 RIVER RIDGE DR, SAINT CHARLES, IL 60175-5675 |
| Document Number | 0000021188 |
| Instrument Date | May 4, 2026 |
| Instrument | 202621188 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2026 |
| Title Company | CHICAGO TITLE W, CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $192,859.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 24506 BELLA FLORENCE DR, RICHMOND, TX 77406-4566 |
| Document Number | 0000021190, |
|---|---|
| Date | May 22, 2026 |
| Instrument | 202621190 |
| Name | SIRVA MORTGAGE INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.13% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 521 RIVER RIDGE DR, ST CHARLES, IL 60175-5675 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2022 |
| Title Company | CHICAGO TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0000075579 |
|---|---|
| Date | Dec 7, 2020 |
| Instrument | 2020K075579 |
| Name | TCF NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57106 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.75% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Dec 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 7.75% |
| Index | 1-Year LIBOR |
| Max Rate | 7.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 521 RIVER RIDGE DR, ST CHARLES, IL 60175-5675 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2022 |
| Title Company | CHICAGO TITLE INSURANCE CO |
| Name | Verified Name |
|---|
| Document Number | 0000043746 |
|---|---|
| Date | Sep 19, 2019 |
| Instrument | 2019K043746 |
| Name | CHEMICAL BANK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57106 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Oct 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 8.37% |
| Index | 1-Year LIBOR |
| Max Rate | 8.37% |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jun 12, 2018 |
| Property Address | 521 RIVER RIDGE DR, ST CHARLES, IL 60175-5675 |
| Document Number | 0000027341 |
| Map Reference | DOC2001K035260 |
| Instrument Date | Jun 6, 2018 |
| Instrument | 2018K027341 |
| Transaction Type | Foreclosure |
| Record Updated | Aug 5, 2022 |
| Title Company | CHICAGO TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $627.00 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 521 RIVER RIDGE DR, SAINT CHARLES, IL 60175-5675 |
| Document Number | 0000027342 |
|---|---|
| Date | Jun 12, 2018 |
| Instrument | 2018K027342 |
| Name | WEICHERT FINANCIAL SERVICES |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2048 |
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 | $20,513.00 (+2.78%) Homeowner's exemption | $300,487 (+8.53%) Land $66,687 Building $233,800 | $901,822 (+8.53%) Land $200,141 Building $701,681 |
| 2024 | $19,958.00 (+11.73%) | $276,870 (+21.84%) Land $61,446 Building $215,424 | $830,942 (+21.89%) Land $184,412 Building $646,531 |
| 2022 | $17,863.00 (+4%) Homeowner's exemption | $227,242 (+4.91%) Land $66,885 Building $160,357 | $681,726 (+4.91%) Land $200,655 Building $481,071 |
| 2021 | $17,176.00 Homeowner's exemption | $216,607 Land $63,755 Building $152,852 | $649,821 Land $191,265 Building $458,556 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; 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 43 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 | 100 / 20 |
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