606 Cedar St, Saint Charles, IL 60174 Property Records

Kane County property record for 606 Cedar St, Saint Charles, IL 60174

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,505 sqft · built 1870
Lot Size	0.221 acres (9,636 sqft)
Owner	Individual Name on File
Last Sale	$590,000 (Sep 2025)
Tax Bill	$10,505 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Sep 2025 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`09-28-480-009`

Property Details

APN / Parcel Number

Primary APN	`09-28-480-009`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,505 sqft Living Area
Basement Area	346 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1969
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,636 sqft (0.221 acres)
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	606 CEDAR ST
City	SAINT CHARLES
State	IL
Zip	60174-1733
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MILLINGTONS ADD - ELY 7 FT OF LOT 7 & LOT 8 IN BLK 2
Legal Subdivision	MILLINGTONS ADD
Legal Block	2
Legal Lot Number	7,8
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	1
Census Block	1011
Census Tract	852203

Owner

606 Cedar St is owned and occupied by an individual who bought it in September 2025.

Source: Kane County records, as of July 23, 2026

Owner of Record	Individual Name on File
Mailing Address	606 CEDAR ST, SAINT CHARLES, IL 60174-1733
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2023	Deed of Trust, Mortgage · Line of Credit GREENSTATE CU
Sep 24, 2025	Warranty Deed, Transfer · Conventional Mortgage V I P MORTGAGE INC
Dec 11, 2017	Deed of Trust, Mortgage · Conventional Mortgage MIDWEST COMMUNITY BANK
Jun 20, 2018	Deed of Trust, Mortgage · Conventional Mortgage MIDWEST COMMUNITY BANK
Aug 10, 2018	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Oct 19, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 24, 2025 · Amount on File
Deed Sale	Sep 24, 2025 · Amount on File
Prior Sale	Jul 7, 2015 · Amount on File
Deed Document Number	202536986
Prior Transfer Date	Jan 11, 2017
Prior Transfer Doc	0000054768
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	606 CEDAR ST, ST CHARLES, IL 60174-1733
Transaction Type	Mortgage
Record Updated	Oct 13, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018904
Date	Jun 12, 2023
Instrument	2023K018904

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jun 11, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 24, 2025
Property Address	606 CEDAR ST, ST CHARLES, IL 60174-1733
Document Number	0000036986
Instrument Date	Sep 5, 2025
Instrument	2025K036986
Transaction Type	Transfer
Record Updated	Oct 13, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$590.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	606 CEDAR ST, ST CHARLES, IL 60174-1733

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	606 CEDAR ST, ST CHARLES, IL 60174-1733

Mortgage

Document Number	0000036987
Date	Sep 24, 2025
Instrument	2025K036987

Lender

Name	V I P MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2045

Interest

Rate Type	Fixed Rate
Rate	6.37%

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	606 CEDAR ST, ST CHARLES, IL 60174-1733
Transaction Type	Mortgage
Record Updated	Aug 5, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000064324
Date	Dec 11, 2017
Instrument	2017K064324

Lender

Name	MIDWEST COMMUNITY BANK
Type	Bank
Address	SAINT CHARLES, IL 60174

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2047

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	606 CEDAR ST, ST CHARLES, IL 60174-1733
Transaction Type	Mortgage
Record Updated	Aug 5, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029193
Date	Jun 20, 2018
Instrument	2018K029193

Lender

Name	MIDWEST COMMUNITY BANK
Type	Bank
Address	SAINT CHARLES, IL 60174

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	606 CEDAR ST, ST CHARLES, IL 60174-1733
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000038998
Date	Aug 10, 2018
Instrument	2018K038998

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jul 25, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Oct 19, 2017
Property Address	606 CEDAR ST, ST CHARLES, IL 60174-1733
Document Number	0000054768
Instrument Date	Jan 11, 2017
Instrument	54768
Transaction Type	Transfer
Record Updated	Nov 20, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	606 CEDAR ST ST CHARLES IL 601741733, ST CHARLES, IL 60174-1733

Tax Assessment & Valuation

The 2025 property tax bill for 606 Cedar St was $10,505, up 18.8% from the year before.

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,505.00 (+18.77%)	$149,784 (+25.7%) Land $28,292 Building $121,492	$449,532 (+25.7%) Land $84,910 Building $364,622
2024	$8,845.00	$119,163 Land $26,068 Building $93,095	$357,632 Land $78,235 Building $279,397
2022	$7,894.00 (+3.85%)	$97,780 (+4.91%) Land $25,308 Building $72,472	$293,340 (+4.91%) Land $75,924 Building $217,416
2021	$7,601.00	$93,204 Land $24,124 Building $69,080	$279,612 Land $72,372 Building $207,240

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 606 Cedar St 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

The area around 606 Cedar St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 341 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · Fiber, DSL in parts of the area	100 / 20

May also be available: Frontier.

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