5N832 E Ridgewood Dr, Saint Charles, IL 60175 Property Records

Kane County property record for 5N832 E Ridgewood Dr, Saint Charles, IL 60175

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 3,428 sqft · built 1987
Lot Size	1.28 acres (55,757 sqft)
Owner	2 Individual Names on Record
Last Sale	$553,000 (Oct 2020)
Tax Bill	$13,530 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Oct 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-16-153-008`

Property Details

APN / Parcel Number

Primary APN	`09-16-153-008`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,428 sqft Living Area
Basement Area	1,290 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	Hip
Roof Material	Wood
Lot Area	55,757 sqft
Garage Type	Attached
Garage Area	636 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed 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	5N832 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	15
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 Individual Names on Record
Mailing Address	5N832 E RIDGEWOOD DR, SAINT CHARLES, IL 60175-6228
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2026	Deed of Trust, Mortgage · Line of Credit FARMERS INSURANCE GROUP FCU
Oct 16, 2020	Warranty Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC
Apr 10, 2020	Warranty Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2020 · Amount on Record
Deed Sale	Oct 16, 2020 · Amount on Record
Prior Sale	Apr 10, 2020 · Amount on Record
Deed Document Number	202061646
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	5N832 E RIDGEWOOD DR, ST CHARLES, IL 60175-6228
Transaction Type	Mortgage
Record Updated	Mar 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010705
Date	Mar 17, 2026
Instrument	2026K010705

Lender

Name	FARMERS INSURANCE GROUP FCU
Type	Credit Union
Address	BURBANK, CA 91504

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Mar 10, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 16, 2020
Property Address	5N832 E RIDGEWOOD DR, ST CHARLES, IL 60175-6228
Document Number	0000061646
Instrument Date	Oct 5, 2020
Instrument	2020K061646
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	$553.00
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	N5832 E RIDGEWOOD DR, SAINT CHARLES, IL 60175

Mortgage

Document Number	0000061647
Date	Oct 16, 2020
Instrument	2020K061647

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 10, 2020
Property Address	5N832 E RIDGEWOOD DR, ST CHARLES, IL 60175-6228
Document Number	0000018080
Instrument Date	Apr 9, 2020
Instrument	18080
Transaction Type	Transfer
Record Updated	Jun 23, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount Recorded
Tax	$495.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	36W475 OAK POINTE DR ST CHARLES IL 601757408, ST CHARLES, IL 60175-7408

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	$13,530.00 (+2.7%) Homeowner's exemption	$210,656 (+8.53%) Land $45,917 Building $164,739	$632,221 (+8.53%) Land $137,806 Building $494,415
2024	$13,174.00 (+8.28%)	$194,099 (+17.59%) Land $42,308 Building $151,791	$582,530 (+17.64%) Land $126,975 Building $455,555
2022	$12,167.00 (+6.03%) Homeowner's exemption	$165,064 (+4.91%) Land $39,837 Building $125,227	$495,192 (+4.91%) Land $119,511 Building $375,681
2021	$11,475.00 Homeowner's exemption	$157,339 Land $37,973 Building $119,366	$472,017 Land $113,919 Building $358,098

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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