5N785 E Ridgewood Dr, Saint Charles, IL 60175 Property Records

Kane County property record for 5N785 E Ridgewood Dr, Saint Charles, IL 60175

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 4,548 sqft · built 1988
Lot Size	1.21 acres (53,143 sqft)
Owner	2 Individual Names on File
Last Sale	$870,000 (Jul 2016)
Tax Bill	$20,784 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Jul 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-16-154-009`

Property Details

APN / Parcel Number

Primary APN	`09-16-154-009`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	4,548 sqft Living Area
Basement Area	1,736 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1999
Architectural Style	Colonial
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	53,143 sqft
Garage Type	Attached
Garage Area	1,005 sqft
Parking Spaces	4 Parking Spaces
Pool Area	800 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	5N785 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	4
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2003
Census Tract	852103

Owner

5N785 E Ridgewood Dr is owned and occupied by two individuals who bought it in July 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	5N785 E RIDGEWOOD DR, SAINT CHARLES, IL 60175-6229
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2026	Deed of Trust, Mortgage · Line of Credit ALLIANT CREDIT UNION
Jul 22, 2019	Deed of Trust, Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2016 · Amount on File
Deed Sale	Jul 13, 2016 · Amount on File
Prior Sale	May 16, 2005 · Amount on File
Deed Document Number	201635480
Prior Transfer Date	Feb 9, 2008
Prior Transfer Doc	0000025241
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Recording Date	Jul 9, 2026
Property Address	5N785 E RIDGEWOOD DR, SAINT CHARLES, IL 60175-6229
Document Number	0000028952
Instrument Date	Jun 22, 2026
Instrument	202628952
Transaction Type	Mortgage
Record Updated	Jul 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	5N785 E RIDGEWOOD DR, SAINT CHARLES, IL 60175-6229
Investor	Possibly a Property Investor

Mortgage

Document Number	0000028952,
Date	Jul 9, 2026
Instrument	202628952

Lender

Name	ALLIANT CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6.51%
Max Rate	-1%

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	5N785 E RIDGEWOOD DR, ST CHARLES, IL 60175-6229
Document Number	0000033042
Instrument Date	Jul 22, 2019
Transaction Type	Mortgage
Record Updated	Aug 8, 2019
Title Company	RAVENSWOOD TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5N785 E RIDGE D DR ST CHARLES IL 60175, ST CHARLES, IL 60175

Mortgage

Document Number	0000033042
Date	Jul 29, 2019
Instrument	33042

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 28, 2049

Interest

Rate Type	Adjustable Rate
Rate	2.25%

Tax Assessment & Valuation

The 2025 property tax bill for 5N785 E Ridgewood Dr was $20,784 with a homeowner's exemption.

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	$20,784.00 Homeowner's exemption	$319,316 (+8.53%) Land $44,377 Building $274,939	$958,331 (+8.53%) Land $133,184 Building $825,147
2024		$294,219 Land $40,889 Building $253,330	$883,010 Land $122,716 Building $760,294
2022	$19,206.00 (+5.96%) Homeowner's exemption	$257,088 (+4.91%) Land $38,483 Building $218,605	$771,264 (+4.91%) Land $115,449 Building $655,815
2021	$18,126.00 Homeowner's exemption	$245,056 Land $36,682 Building $208,374	$735,168 Land $110,046 Building $625,122

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

FEMA maps place 5N785 E Ridgewood Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 5N785 E Ridgewood Dr is low, with less than a 0.01% annual chance of 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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