5N725 E Ridgewood Dr, Saint Charles, IL 60175 Property Records

Kane County property record for 5N725 E Ridgewood Dr, Saint Charles, IL 60175

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 3,090 sqft · built 1987
Lot Size	1.23 acres (54,014 sqft)
Owner	2 Individual Names on File
Last Sale	$416,000 (Aug 2020)
Tax Bill	$12,312 (2025)
Deeds & Mortgages	May 2022 Line of Credit Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-16-154-011`

Property Details

APN / Parcel Number

Primary APN	`09-16-154-011`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,090 sqft Living Area
Basement Area	777 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	54,014 sqft
Garage Type	Attached
Garage Area	548 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	5N725 E RIDGEWOOD DR
City	SAINT CHARLES
State	IL
Zip	60175-6229
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAP AREA: 039-SLVRDGE,RDGATRDG
Legal Subdivision	RED GATE RIDGE
Legal Block	2
Legal Lot Number	2
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 Individual Names on File
Mailing Address	5N725 E RIDGEWOOD DR, SAINT CHARLES, IL 60175-6229
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
May 25, 2022	Deed of Trust, Mortgage · Line of Credit ALLIANT CREDIT UNION
Aug 25, 2020	Warranty Deed, Transfer · Conventional Mortgage WINTRUST MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2020 · Amount on File
Deed Sale	Aug 25, 2020 · Amount on File
Prior Sale	Sep 17, 1997 · Amount on File
Deed Document Number	202048022
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	5N725 E RIDGEWOOD DR, ST CHARLES, IL 60175-6229
Transaction Type	Mortgage
Record Updated	Jan 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027687
Date	May 25, 2022
Instrument	2022K027687

Lender

Name	ALLIANT CREDIT UNION
Type	Credit Union
Address	CHICAGO, IL 60666

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 24, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 25, 2020
Property Address	5N725 E RIDGEWOOD DR, ST CHARLES, IL 60175-6229
Document Number	0000048022
Instrument Date	Jul 27, 2020
Instrument	2020K048022
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	$416.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5N725 E RIDGEWOOD DR, 5N725, SAINT CHARLES, IL 60175-6229

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5N725 E RIDGEWOOD DR, SAINT CHARLES, IL 60175-6229

Mortgage

Document Number	0000048023
Date	Aug 25, 2020
Instrument	2020K048023

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	2.62%

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	$12,312.00 (+11.33%) Homeowner's exemption	$192,419 (+8.53%) Land $45,104 Building $147,315	$577,488 (+8.53%) Land $135,366 Building $442,122
2024		$177,296 (+17.74%) Land $41,559 Building $135,737	$532,101 (+17.79%) Land $124,727 Building $407,374
2022	$11,059.00 (+6.05%) Homeowner's exemption	$150,583 (+4.91%) Land $39,113 Building $111,470	$451,749 (+4.91%) Land $117,339 Building $334,410
2021	$10,428.00 Homeowner's exemption	$143,535 Land $37,282 Building $106,253	$430,605 Land $111,846 Building $318,759

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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