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610 Cedar St, Saint Charles, IL 60174 Property Records

Kane County property record for 610 Cedar St, Saint Charles, IL 60174

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,188 sqft · built 1978
Lot Size0.179 acres (7,788 sqft)
Owner2 Individual Names on File
Last Sale$278,000 (Apr 2021)
Tax Bill$6,469 (2025)
Deeds & MortgagesApr 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN09-28-480-010

Property Details

APN / Parcel Number

Primary APN09-28-480-010

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms6 Rooms
Stories2 Stories
Building Area1,188 sqft Living Area
Basement Area502 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1978
Effective Year BuiltEffective 1978
Exterior MaterialCombination
Construction TypeFrame
Foundation TypeConcrete
Roof TypeGable
Roof MaterialAsphalt
Lot Area7,788 sqft (0.179 acres)
Garage TypeAttached
Garage Area528 sqft
Parking Spaces2 Parking Spaces
Deck AreaDeck Area

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Street Address610 CEDAR ST
CitySAINT CHARLES
StateIL
Zip60174-1733
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionMILLINGTONS ADD - LOT 7 EX ELY 7 FT IN BLK 2
Legal SubdivisionMILLINGTONS ADD
Legal Block2
Legal Lot Number7
JurisdictionKANE IL
Township / Civil DivisionST. CHARLES
Census Block Group1
Census Block1011
Census Tract852203

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 Record2 Individual Names on File
Mailing Address610 CEDAR ST, SAINT CHARLES, IL 60174-1733
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 22, 2021 · Amount on File
Deed SaleApr 22, 2021 · Amount on File
Prior SaleMay 12, 2015 · Amount on File
Deed Document Number202131516
Record UpdatedOct 29, 2026

April 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKANE IL
Recording DateApr 22, 2021
Property Address610 CEDAR ST, ST CHARLES, IL 60174-1733
Document Number0000031516
Instrument DateMar 11, 2021
Instrument2021K031516
Transaction TypeTransfer
Record UpdatedJul 27, 2021
Title CompanyFORT DEARBORN LAND TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$278.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address610 CEDAR ST, SAINT CHARLES, IL 60174-1733

Mortgage

Document Number0000031517
DateApr 22, 2021
Instrument2021K031517
Lender
NameFAIRWAY INDEPENDENT MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueApr 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionSt. Charles Township
MunicipalitySt. Charles City
Unified School DistrictSt. Charles Community Unit School District 303 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$6,469.00 (+9.87%) Homeowner's exemption$100,251 (+8.53%) Land $28,292 Building $71,959$300,873 (+8.53%) Land $84,910 Building $215,963
2024$92,371 (+17.02%) Land $26,068 Building $66,303$277,224 (+17.07%) Land $78,235 Building $198,989
2022$5,888.00 (+4.27%) Homeowner's exemption$78,934 (+4.91%) Land $25,308 Building $53,626$236,802 (+4.91%) Land $75,924 Building $160,878
2021$5,647.00 Homeowner's exemption$75,240 Land $24,124 Building $51,116$225,720 Land $72,372 Building $153,348

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies1 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

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

Wildfire RiskNot 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 SystemST CHARLES
serves 33,081 people · EPA ID IL0894830
Water SourceGroundwater
Last State InspectionOct 2022
Lead4 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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

ProviderMax 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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