5N941 E Ridgewood Dr, Saint Charles, IL 60175 Property Records

Kane County property record for 5N941 E Ridgewood Dr, Saint Charles, IL 60175

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,763 sqft · built 1988
Lot Size	1.26 acres (54,886 sqft)
Owner	2 Individual Names on Record
Last Sale	$581,500 (Nov 2008)
Tax Bill	$15,932 (2025)
Deeds & Mortgages	Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-16-154-003`

Property Details

APN / Parcel Number

Primary APN	`09-16-154-003`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,763 sqft Living Area
Basement Area	681 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	54,886 sqft
Garage Type	Attached
Garage Area	752 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
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	5N941 E RIDGEWOOD DR
City	SAINT CHARLES
State	IL
Zip	60175-6391
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	8
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	5N941 E RIDGEWOOD DR, SAINT CHARLES, IL 60175-6391
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 26, 2008 · Amount on Record
Deed Sale	Nov 26, 2008 · Amount on Record
Prior Sale	Nov 21, 2006 · Amount on Record
Deed Document Number	200888180
Prior Transfer Date	Oct 2, 2000
Prior Transfer Doc	0000082054
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	5N941 E RIDGEWOOD DR, ST CHARLES, IL 60175-6391
Transaction Type	Mortgage
Record Updated	May 7, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033235
Date	Apr 28, 2021
Instrument	2021K033235

Lender

Name	FIRST MIDWEST BANK
Type	Bank
Address	GURNEE, IL 60031

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.75%

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	$15,932.00 (+14.6%) Homeowner's exemption	$271,640 (+6.55%) Land $45,618 Building $226,022	$815,246 (+6.55%) Land $136,909 Building $678,337
2024		$254,938 (+35.78%) Land $42,033 Building $212,905	$765,120 (+35.84%) Land $126,149 Building $638,971
2022	$13,902.00 (+6%) Homeowner's exemption	$187,757 (+4.91%) Land $39,566 Building $148,191	$563,271 (+4.91%) Land $118,698 Building $444,573
2021	$13,115.00 Homeowner's exemption	$178,969 Land $37,714 Building $141,255	$536,907 Land $113,142 Building $423,765

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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