5N928 E Ridgewood Dr, Saint Charles, IL 60175 Property Records

Kane County property record for 5N928 E Ridgewood Dr, Saint Charles, IL 60175

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 3,367 sqft · built 1987
Lot Size	1.25 acres (54,450 sqft)
Owner	2 Individual Names on Record
Last Sale	$450,000 (Sep 2008)
Tax Bill	$12,422 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Sep 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-16-153-003`

Property Details

APN / Parcel Number

Primary APN	`09-16-153-003`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,367 sqft Living Area
Basement Area	1,545 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Traditional
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Wood
Lot Area	54,450 sqft
Garage Type	Attached
Garage Area	588 sqft
Parking Spaces	2 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
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	5N928 E RIDGEWOOD DR
City	SAINT CHARLES
State	IL
Zip	60175-6228
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 20 IN REDGATE RIDGE UNIT 1
Legal Subdivision	REDGATE RIDGE
Legal Block	2
Legal Lot Number	20
Legal Unit	1
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	5N928 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
Jun 4, 2026	Deed of Trust, Mortgage · Line of Credit STATE GEORGES BANK AND TRUST COMPANY CAYMAN
Sep 5, 2019	Deed of Trust, Mortgage · Commercial Mortgage STC CAPITAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2008 · Amount on Record
Deed Sale	Sep 10, 2008 · Amount on Record
Deed Document Number	200871485
Prior Transfer Date	Mar 16, 2004
Prior Transfer Doc	0000043938
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Recording Date	Jun 4, 2026
Property Address	5N928 E RIDGEWOOD DR, SAINT CHARLES, IL 60175-6228
Document Number	0000023230
Instrument Date	May 9, 2026
Instrument	202623230
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	5N928 E RIDGEWOOD DR, SAINT CHARLES, IL 60175-6228

Mortgage

Document Number	0000023230,
Date	Jun 4, 2026
Instrument	202623230

Lender

Name	STATE GEORGES BANK AND TRUST COMPANY CAYMAN

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	5N928 E RIDGEWOOD DR, ST CHARLES, IL 60175-6228
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000041015
Date	Sep 5, 2019
Instrument	2019K041015

Lender

Name	STC CAPITAL BANK
Type	Bank
Address	SAINT CHARLES, IL 60174

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$12,422.00 (+2.73%) Homeowner's exemption	$194,061 (+8.53%) Land $45,468 Building $148,593	$582,416 (+8.53%) Land $136,459 Building $445,957
2024	$12,092.00 (+7.97%)	$178,808 (+17.32%) Land $41,894 Building $136,914	$536,639 (+17.37%) Land $125,732 Building $410,906
2022	$11,199.00 (+6.05%) Homeowner's exemption	$152,410 (+4.91%) Land $39,428 Building $112,982	$457,230 (+4.91%) Land $118,284 Building $338,946
2021	$10,560.00 Homeowner's exemption	$145,277 Land $37,583 Building $107,694	$435,831 Land $112,749 Building $323,082

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 96% of the US · lower than 74% 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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