5N815 E Ridgewood Dr, Saint Charles, IL 60175 Property Records

Kane County property record for 5N815 E Ridgewood Dr, Saint Charles, IL 60175

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 3,505 sqft · built 1987
Lot Size	1.3 acres (56,628 sqft)
Owner	2 Individual Names on Record
Last Sale	$475,000 (Sep 2000)
Tax Bill	$12,932 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-16-154-008`

Property Details

APN / Parcel Number

Primary APN	`09-16-154-008`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,505 sqft Living Area
Basement Area	964 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	Wood
Lot Area	56,628 sqft
Garage Type	Attached
Garage Area	784 sqft
Parking Spaces	3 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	5N815 E RIDGEWOOD DR
City	SAINT CHARLES
State	IL
Zip	60175-6229
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	5 IDGE
Legal Subdivision	RED GATE RIDGE
Legal Block	2
Legal Lot Number	5
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 Record
Mailing Address	5N815 E RIDGEWOOD DR, SAINT CHARLES, IL 60175-6229
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2022	Deed of Trust, Mortgage · Line of Credit FIRST AMERICAN BANK
Aug 31, 2017	Deed of Trust, Mortgage · Commercial Mortgage FIRST AMERICAN BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2000 · Amount on Record
Deed Sale	Sep 19, 2000 · Amount on Record
Prior Sale	Mar 5, 1998 · Amount on Record
Deed Document Number	200074534
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	5N815 E RIDGEWOOD DR, ST CHARLES, IL 60175-6229
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022714
Date	Apr 27, 2022
Instrument	2022K022714

Lender

Name	FIRST AMERICAN BANK
Type	Bank
Address	HAMPSHIRE, IL 60140

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	May 1, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly
Min Rate At Change	3.25%
Max Rate	18%

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	5N815 E RIDGEWOOD DR, ST CHARLES, IL 60175-6229
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCURATE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000045751
Date	Aug 31, 2017
Instrument	2017K045751

Lender

Name	FIRST AMERICAN BANK
Type	Bank
Address	HAMPSHIRE, IL 60140

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Sep 1, 2027

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Change Frequency	Monthly
Min Rate At Change	3%
Max Rate	18%

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	$12,932.00 (+10.25%) Homeowner's exemption Senior Citizen's exemption	$209,710 (+8.53%) Land $46,216 Building $163,494	$629,382 (+8.53%) Land $138,703 Building $490,678
2024		$193,228 (+17.57%) Land $42,584 Building $150,644	$579,916 (+17.62%) Land $127,803 Building $452,113
2022	$11,730.00 (+6.21%) Homeowner's exemption	$164,350 (+4.91%) Land $40,111 Building $124,239	$493,050 (+4.91%) Land $120,333 Building $372,717
2021	$11,044.00 Homeowner's exemption	$156,658 Land $38,234 Building $118,424	$469,974 Land $114,702 Building $355,272

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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