5N699 E Ridgewood Dr, Saint Charles, IL 60175 Property Records

Kane County property record for 5N699 E Ridgewood Dr, Saint Charles, IL 60175

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 5,160 sqft · built 1990
Lot Size	1.43 acres (62,291 sqft)
Owner	2 Company Names on Record
Last Sale	$795,000 (Aug 2021)
Tax Bill	$19,409 (2025)
Deeds & Mortgages	Sep 2025 Transfer Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-16-154-012`

Property Details

APN / Parcel Number

Primary APN	`09-16-154-012`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	5,160 sqft Living Area
Basement Area	1,408 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Brick
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	62,291 sqft
Garage Type	Attached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Pool Area	512 sqft
Porch	Open Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	5N699 E RIDGEWOOD DR
City	SAINT CHARLES
State	IL
Zip	60175-6229
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RED GATE RIDGE UNIT 1 - LOT 1
Legal Subdivision	RED GATE RIDGE
Legal Block	2
Legal Lot Number	1
Legal Unit	1
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2003
Census Tract	852103

Owner

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

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

Owner of Record	2 Company Names on Record
Mailing Address	5N699 E RIDGEWOOD DR, SAINT CHARLES, IL 60175-6229
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2025	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Aug 12, 2021	Warranty Deed, Transfer · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP
May 16, 2017	Deed of Trust, Mortgage · Conventional Mortgage STC CAPITAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2021 · Amount on Record
Deed Sale	Aug 12, 2021 · Amount on Record
Prior Sale	May 9, 2016 · Amount on Record
Deed Document Number	202161841
Prior Transfer Date	Jun 24, 2005
Prior Transfer Doc	0000099820
Record Updated	Oct 29, 2026

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Sep 29, 2025
Property Address	5N699 E RIDGEWOOD DR, ST CHARLES, IL 60175-6229
Document Number	0000037703
Instrument Date	Sep 10, 2025
Instrument	2025K037703
Transaction Type	Transfer
Record Updated	Oct 13, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

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
Relationship	Revocable Trust
Address	5N699 E RIDGEWOOD DR, ST CHARLES, IL 60175-6229

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 12, 2021
Property Address	5N699 E RIDGEWOOD DR, ST CHARLES, IL 60175-6229
Document Number	0000061841
Instrument Date	Jul 26, 2021
Instrument	2021K061841
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	BAIRD AND WARNER TITLE SERVICES INC, BAIRD & WARNER TTL SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$795.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	171 HILL AVE, GLEN ELLYN, IL 60137-4951

Mortgage

Document Number	0000061842
Date	Aug 12, 2021
Instrument	2021K061842

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2036

Interest

Rate Type	Fixed Rate
Rate	1.87%

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	5N699 E RIDGEWOOD DR, ST CHARLES, IL 60175-6229
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024839
Date	May 16, 2017
Instrument	2017K024839

Lender

Name	STC CAPITAL BANK
Type	Bank
Address	SAINT CHARLES, IL 60174

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

Interest

Rate Type	Fixed Rate
Rate	4.37%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	St. Charles Township
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	$19,409.00 (+2.6%) Homeowner's exemption	$298,717 (+8.53%) Land $48,160 Building $250,557	$896,510 (+8.53%) Land $144,538 Building $751,972
2024	$18,918.00 (+4.56%) Homeowner's exemption	$275,239 (+13.48%) Land $44,375 Building $230,864	$826,047 (+13.52%) Land $133,178 Building $692,869
2022	$18,093.00 (+5.96%) Homeowner's exemption	$242,545 (+4.91%) Land $41,885 Building $200,660	$727,635 (+4.91%) Land $125,655 Building $601,980
2021	$17,075.00 Homeowner's exemption	$231,194 Land $39,925 Building $191,269	$693,582 Land $119,775 Building $573,807

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

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 129 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Metronet.

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