5N954 E Ridgewood Dr, Saint Charles, IL 60175 Property Records

Kane County property record for 5N954 E Ridgewood Dr, Saint Charles, IL 60175

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,824 sqft · built 1988
Lot Size	1.33 acres (57,935 sqft)
Owner	2 Company Names on Record
Last Sale	$711,000 (Aug 2022)
Tax Bill	$17,207 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Aug 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-16-153-002`

Property Details

APN / Parcel Number

Primary APN	`09-16-153-002`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,824 sqft Living Area
Basement Area	1,813 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	Gable
Roof Material	Asphalt
Lot Area	57,935 sqft
Garage Type	Attached
Garage Area	469 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	5N954 E RIDGEWOOD DR
City	SAINT CHARLES
State	IL
Zip	60175-6228
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	21 IDGE RED GATE 21
Legal Subdivision	RED GATE RIDGE
Legal Block	2
Legal Lot Number	21
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 Company Names on Record
Mailing Address	5N954 E RIDGEWOOD DR, SAINT CHARLES, IL 60175-6228
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2022	Warranty Deed, Transfer · Conventional Mortgage OLD NATIONAL BANK
Aug 15, 2019	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
Sep 21, 2020	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Apr 11, 2018	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2022 · Amount on Record
Deed Sale	Aug 18, 2022 · Amount on Record
Prior Sale	Sep 21, 2020 · Amount on Record
Deed Document Number	202241700
Last Transfer Date	Sep 18, 2024
Transfer Doc	0000033986
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 18, 2022
Property Address	5N954 E RIDGEWOOD DR, ST CHARLES, IL 60175-6228
Document Number	0000041700
Instrument Date	Jul 18, 2022
Instrument	2022K041700
Transaction Type	Transfer
Record Updated	Aug 25, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$711.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	5N954 E RIDGEWOOD DR, SAINT CHARLES, IL 60175-6228

Mortgage

Document Number	0000041701
Date	Aug 18, 2022
Instrument	2022K041701

Lender

Name	OLD NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Fixed Rate
Rate	5%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	5N954 E RIDGEWOOD DR, ST CHARLES, IL 60175-6228
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000036970
Date	Aug 15, 2019
Instrument	2019K036970

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 15, 2049

Interest

Rate Type	Adjustable Rate
Rate	6.64%
Change Frequency	Monthly

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 21, 2020
Property Address	5N954 E RIDGEWOOD DR, ST CHARLES, IL 60175-6228
Document Number	0000054504
Instrument Date	Jun 24, 2020
Instrument	2020K054504
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$602.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5N954 E RIDGEWOOD DR, SAINT CHARLES, IL 60175-6228

Mortgage

Document Number	0000054505
Date	Sep 21, 2020
Instrument	2020K054505

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Aug 1, 2050

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 11, 2018
Property Address	5N954 E RIDGEWOOD DR, ST CHARLES, IL 60175-6228
Document Number	0000016438
Instrument Date	Apr 6, 2018
Instrument	16438
Transaction Type	Transfer
Record Updated	Apr 20, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$892.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5N954 E RIDGEWOOD DR ST CHARLES IL 601756228, ST CHARLES, IL 60175-6228

Mortgage

Document Number	16439
Date	Apr 11, 2018
Instrument	16439

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 10, 2048

Interest

Rate Type	Fixed Rate
Rate	4.37%

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	$17,207.00 (+12.48%)	$265,738 (+8.53%) Land $46,665 Building $219,073	$797,533 (+8.53%) Land $140,051 Building $657,482
2024		$244,852 (+18.86%) Land $42,997 Building $201,855	$734,850 (+18.91%) Land $129,043 Building $605,807
2022	$15,298.00 (+5.99%) Homeowner's exemption	$206,001 (+4.91%) Land $40,519 Building $165,482	$618,003 (+4.91%) Land $121,557 Building $496,446
2021	$14,434.00 Homeowner's exemption	$196,360 Land $38,623 Building $157,737	$589,080 Land $115,869 Building $473,211

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.

Nearby Properties on E Ridgewood Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures