Kane County property record for 605 N 3rd Ave, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,800 sqft · built 1910 |
| Lot Size | 0.23 acres (10,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $710,000 (Jun 2026) |
| Tax Bill | $9,403 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Jun 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-27-329-010 |
| Primary APN | 09-27-329-010 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,800 sqft Living Area |
| Basement Area | 900 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 10,000 sqft (0.23 acres) |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Street Address | 605 N 3RD AVE |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-2013 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 3 7 3 6 |
| Legal Subdivision | GRAND VIEW ADD |
| Legal Block | 1 |
| Legal Lot Number | 6,7 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 1 |
| Census Block | 1035 |
| Census Tract | 852005 |
605 N 3rd Ave is owned and occupied by an individual who bought it in June 2026.
Source: Kane County records, as of July 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 605 N 3RD AVE, SAINT CHARLES, IL 60174-2013 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 3, 2026 | Deed of Trust, Mortgage · Conventional Mortgage USAA FSB |
| Jun 3, 2026 | Warranty Deed, Transfer · Conventional Mortgage USAA FSB |
| Oct 3, 2018 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 3, 2026 · Amount on File |
| Deed Sale | Jun 3, 2026 · Amount on File |
| Deed Document Number | 202622808 |
| Prior Transfer Date | Jul 17, 2006 |
| Prior Transfer Doc | 0000079608 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jun 3, 2026 |
| Property Address | 605 N 3RD AVE, ST CHARLES, IL 60174-2013 |
| Document Number | 0000022809 |
| Instrument Date | May 26, 2026 |
| Instrument | 202622809 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 324 SAINT CLAIR AVE, SHEBOYGAN, WI 53081-3561 |
| Document Number | 0000022809, |
|---|---|
| Date | Jun 3, 2026 |
| Instrument | 202622809 |
| Name | USAA FSB |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.5% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jun 3, 2026 |
| Property Address | 605 N 3RD AVE, SAINT CHARLES, IL 60174-2013 |
| Document Number | 0000022808 |
| Instrument Date | May 26, 2026 |
| Instrument | 202622808 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $107,565.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 605 N 3RD AVE, SAINT CHARLES, IL 60174-2013 |
| Document Number | 0000022809, |
|---|---|
| Date | Jun 3, 2026 |
| Instrument | 202622809 |
| Name | USAA FSB |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.5% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 605 N 3RD AVE, SAINT CHARLES, IL 60174-2013 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SOLIDIFI US INC |
| Name | Verified Name |
|---|
| Document Number | 0000048318 |
|---|---|
| Date | Oct 3, 2018 |
| Instrument | 2018K048318 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Sep 18, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 605 N 3rd Ave was $9,403, up 2.5% from the year before.
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | St. Charles Township |
| Municipality | St. Charles City |
| Unified School District | St. Charles Community Unit School District 303 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,403.00 (+2.54%) | $134,078 (+8.53%) Land $36,375 Building $97,703 | $402,395 (+8.53%) Land $109,169 Building $293,226 |
| 2024 | $9,170.00 | $123,540 Land $33,516 Building $90,024 | $370,768 Land $100,588 Building $270,180 |
| 2022 | $9,592.00 (+3.87%) | $118,804 (+4.91%) Land $33,203 Building $85,601 | $356,412 (+4.91%) Land $99,609 Building $256,803 |
| 2021 | $9,235.00 | $113,244 Land $31,649 Building $81,595 | $339,732 Land $94,947 Building $244,785 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 605 N 3rd Ave in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 1 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 605 N 3rd Ave is low, with less than a 0.01% annual chance of 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 147 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 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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