Kane County property record for 523 State St, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 952 sqft · built 1910 |
| Lot Size | 0.218 acres (9,504 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,813 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-27-355-001 |
| Primary APN | 09-27-355-001 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 952 sqft Living Area |
| Basement Area | 352 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1969 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,504 sqft (0.218 acres) |
| Garage Type | Detached |
| Garage Area | 252 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 523 STATE ST |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-1748 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MILLINGTONS ADD. LOT 1 & PT LOT 2 BLK 1 |
| Legal Subdivision | MILLINGTONS ADD |
| Legal Block | 1 |
| Legal Lot Number | 1,2 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 852203 |
523 State St is owned and occupied by two individuals who acquired it in September 2025.
Source: Kane County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 523 STATE ST, SAINT CHARLES, IL 60174-1748 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Sep 12, 2025 |
| Transfer Doc | 0000035078 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 523 State St was $4,813.
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 | $4,813.00 | $76,638 (+8.53%) Land $28,292 Building $48,346 | $230,006 (+8.53%) Land $84,910 Building $145,096 |
| 2024 | $70,614 Land $26,068 Building $44,546 | $211,927 Land $78,235 Building $133,691 | |
| 2022 | $4,449.00 (+4.44%) Homeowner's exemption | $61,102 (+4.91%) Land $25,308 Building $35,794 | $183,306 (+4.91%) Land $75,924 Building $107,382 |
| 2021 | $4,260.00 Homeowner's exemption | $58,243 Land $24,124 Building $34,119 | $174,729 Land $72,372 Building $102,357 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 523 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.
The area around 523 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.
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 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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