5N730 E Ridgewood Dr, Saint Charles, IL 60175 Property Records

Kane County property record for 5N730 E Ridgewood Dr, Saint Charles, IL 60175

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 5,076 sqft · built 1991
Lot Size	1.33 acres (58,370 sqft)
Owner	2 Company Names on Record
Last Sale	$680,000 (Apr 2021)
Tax Bill	$19,829 (2025)
Deeds & Mortgages	Nov 2023 Transfer Apr 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-16-153-010`

Property Details

APN / Parcel Number

Primary APN	`09-16-153-010`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	5,076 sqft Living Area
Basement Area	814 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Georgian
Exterior Material	Brick
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Wood
Lot Area	58,370 sqft
Garage Type	Attached
Garage Area	882 sqft
Parking Spaces	4 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
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	5N730 E RIDGEWOOD DR
City	SAINT CHARLES
State	IL
Zip	60175-6228
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	13
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2006
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	5N730 E RIDGEWOOD DR, SAINT CHARLES, IL 60175-6228
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Living Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2023	Intrafamily Transfer, Transfer
Apr 19, 2021	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Sep 10, 2018	Deed of Trust, Mortgage · Line of Credit UTILITIES EMPLOYEES CU
May 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage UTILITIES EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 19, 2021 · Amount on Record
Deed Sale	Apr 19, 2021 · Amount on Record
Prior Sale	Oct 8, 2015 · Amount on Record
Deed Document Number	202130194
Last Transfer Date	Nov 29, 2023
Transfer Doc	0000041836
Record Updated	Oct 29, 2026

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Nov 30, 2023
Property Address	5N730 E RIDGEWOOD DR, ST CHARLES, IL 60175-6228
Document Number	0000041836
Instrument Date	Nov 29, 2023
Instrument	2023K041836
Transaction Type	Transfer
Record Updated	Dec 6, 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
Relationship	Family Living Trust
Address	5N730 E RIDGEWOOD DR, SAINT CHARLES, IL 60175-6228

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 19, 2021
Property Address	5N730 E RIDGEWOOD DR, ST CHARLES, IL 60175-6228
Document Number	0000030194
Instrument Date	Apr 12, 2021
Instrument	2021K030194
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$680.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5N730 E RIDGEWOOD DR, SAINT CHARLES, IL 60175-6228

Mortgage

Document Number	0000030195
Date	Apr 19, 2021
Instrument	2021K030195

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.87%

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	5N730 E RIDGEWOOD DR, ST CHARLES, IL 60175-6228
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000044366
Date	Sep 10, 2018
Instrument	2018K044366

Lender

Name	UTILITIES EMPLOYEES CU
Type	Credit Union
Address	READING, PA 19610

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	5N730 E RIDGEWOOD DR, ST CHARLES, IL 60175-6228
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000026519
Date	May 22, 2020
Instrument	2020K026519

Lender

Name	UTILITIES EMPLOYEES CU
Type	Credit Union
Address	READING, PA 19610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 15, 2050

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	$19,829.00 (+9.18%)	$305,003 (+8.53%) Land $46,813 Building $258,190	$915,375 (+8.53%) Land $140,495 Building $774,880
2024		$281,031 (+15.44%) Land $43,134 Building $237,897	$843,430 (+15.49%) Land $129,454 Building $713,977
2022	$18,161.00 (+5.96%) Homeowner's exemption	$243,434 (+4.91%) Land $40,657 Building $202,777	$730,302 (+4.91%) Land $121,971 Building $608,331
2021	$17,139.00 Homeowner's exemption	$232,041 Land $38,754 Building $193,287	$696,123 Land $116,262 Building $579,861

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 94% of the US · lower than 65% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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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