5N871 E Ridgewood Dr, Saint Charles, IL 60175 Property Records

Kane County property record for 5N871 E Ridgewood Dr, Saint Charles, IL 60175

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 3,807 sqft · built 1988
Lot Size	1.3 acres (56,628 sqft)
Owner	2 Individual Names on Record
Last Sale	$475,000 (Apr 2020)
Tax Bill	$16,857 (2025)
Deeds & Mortgages	Apr 2020 Sale & Mortgage Apr 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`09-16-154-004`

Property Details

APN / Parcel Number

Primary APN	`09-16-154-004`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,807 sqft Living Area
Basement Area	1,640 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Brick
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Wood
Lot Area	56,628 sqft
Garage Type	Attached
Garage Area	833 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	5N871 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	7
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	5N871 E RIDGEWOOD DR, SAINT CHARLES, IL 60175-6229
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2020	Warranty Deed, Transfer · Conventional Mortgage NORTHPOINTE BANK
Apr 25, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2020 · Amount on Record
Deed Sale	Apr 15, 2020 · Amount on Record
Deed Document Number	202018717
Prior Transfer Date	Dec 17, 2019
Prior Transfer Doc	0000017520
Record Updated	Oct 29, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 15, 2020
Property Address	5N871 E RIDGEWOOD DR, ST CHARLES, IL 60175-6229
Document Number	0000018717
Instrument Date	Mar 12, 2020
Instrument	2020K018717
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CITYWIDE TITLE CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$475.00
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	5N871 E RIDGEWOOD DR, SAINT CHARLES, IL 60175-6229

Mortgage

Document Number	0000018718
Date	Apr 15, 2020
Instrument	2020K018718

Lender

Name	NORTHPOINTE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2050

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Apr 25, 2019
Property Address	5N871 E RIDGEWOOD DR, ST CHARLES, IL 60175-6229
Document Number	0000016188
Instrument Date	Apr 19, 2019
Instrument	16188
Transaction Type	Transfer
Record Updated	May 3, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5N871 E RIDGEWOOD DR ST CHARLES IL 601756229, ST CHARLES, IL 60175-6229

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	$16,857.00 (+10.2%) Homeowner's exemption	$260,495 (+8.53%) Land $46,216 Building $214,279	$781,798 (+8.53%) Land $138,703 Building $643,094
2024		$240,022 (+16.52%) Land $42,584 Building $197,438	$720,354 (+16.57%) Land $127,803 Building $592,551
2022	$15,297.00 (+5.99%) Homeowner's exemption	$205,992 (+4.91%) Land $40,111 Building $165,881	$617,976 (+4.91%) Land $120,333 Building $497,643
2021	$14,433.00 Homeowner's exemption	$196,351 Land $38,234 Building $158,117	$589,053 Land $114,702 Building $474,351

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 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 120 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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