5N852 E Ridgewood Dr, Saint Charles, IL 60175 Property Records

Kane County property record for 5N852 E Ridgewood Dr, Saint Charles, IL 60175

Property Summary

Property Type	Single Family Home
Lot Size	1.22 acres (53,343 sqft)
Owner	Individual Name on Record
Last Sale	$555,500 (Jan 2022)
Tax Bill	$12,127 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Apr 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-16-153-013`

Property Details

APN / Parcel Number

Primary APN	`09-16-153-013`

Exterior

Lot Area	53,343 sqft (1.22 acres)

Location & Zoning

Street Address	5N852 E RIDGEWOOD DR
City	SAINT CHARLES
State	IL
Zip	60175-6228
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT SEC 16-40-8 DESC IN DOC 2016K022153 (EX PT DESC IN DOC 2016K065040)
Legal Range	08
Legal Township	40
Legal Section	16
Legal Subdivision	RED GATE RIDGE
Legal Block	2
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 21, 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	Individual Name on Record
Mailing Address	5N852 E RIDGEWOOD DR, SAINT CHARLES, IL 60175-6228
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2022	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Apr 21, 2021	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jun 18, 2019	Warranty Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 5, 2022 · Amount on Record
Deed Sale	Jan 5, 2022 · Amount on Record
Prior Sale	Jun 18, 2019 · Amount on Record
Deed Document Number	2022809
Prior Transfer Date	Mar 3, 2016
Prior Transfer Doc	0000022153
Record Updated	Sep 20, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 5, 2022
Property Address	5N852 E RIDGEWOOD DR, ST CHARLES, IL 60175-6228
Document Number	0000000809
Map Reference	DOC 1761205
Instrument Date	Oct 11, 2021
Instrument	2022K000809
Transaction Type	Transfer
Record Updated	Jan 17, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$555.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5N852 E RIDGEWOOD DR, ST CHARLES, IL 60175-6228

Mortgage

Document Number	0000000810
Date	Jan 5, 2022
Instrument	2022K000810

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Nov 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.37%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	5N852 E RIDGEWOOD DR, ST CHARLES, IL 60175-6228
Transaction Type	Mortgage
Record Updated	Apr 30, 2021
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031235
Date	Apr 21, 2021
Instrument	2021K031235

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 18, 2019
Property Address	5N852 E RIDGEWOOD DR, ST CHARLES, IL 60175-6228
Document Number	0000025397
Instrument Date	Jun 12, 2019
Instrument	25397
Transaction Type	Transfer
Record Updated	Jun 27, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$582.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5202 WHITTIER OAKS DR

Tax Assessment & Valuation

Source: Kane County assessment roll, as of August 25, 2025

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	$12,127.00 (+10.42%) Homeowner's exemption
2024		$174,745 (+16.82%) Land $40,554 Building $134,191	$524,445 (+16.86%) Land $121,711 Building $402,734
2022	$10,983.00 (+6.05%) Homeowner's exemption	$149,588 (+4.91%) Land $38,167 Building $111,421	$448,764 (+4.91%) Land $114,501 Building $334,263
2021	$10,356.00 Homeowner's exemption	$142,587 Land $36,381 Building $106,206	$427,761 Land $109,143 Building $318,618

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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