615 Cedar St, Saint Charles, IL 60174 Property Records

Kane County property record for 615 Cedar St, Saint Charles, IL 60174

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,488 sqft · built 1925
Lot Size	0.182 acres (7,920 sqft)
Owner	2 Individual Names on Record
Last Sale	$445,000 (Oct 2025)
Tax Bill	$6,608 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Oct 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-28-481-002`

Property Details

APN / Parcel Number

Primary APN	`09-28-481-002`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,488 sqft Living Area
Basement Area	672 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1969
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,920 sqft (0.182 acres)
Garage Type	Detached
Garage Area	396 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	615 CEDAR ST
City	SAINT CHARLES
State	IL
Zip	60174-1732
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAP AREA: 019-NW SIDE-RIV
Legal Subdivision	MILLINGTONS ADD
Legal Block	1
Legal Lot Number	2
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	1
Census Block	1019
Census Tract	852203

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	5N256 CENTRAL RD, ITASCA, IL 60143-2531
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage KEY MORTGAGE SERVICES INC
Oct 7, 2025	Warranty Deed, Transfer · Conventional Mortgage WINTRUST MORTGAGE
Jan 2, 2019	Warranty Deed, Transfer · Conventional Mortgage KEY MORTGAGE SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2025 · Amount on Record
Deed Sale	Oct 7, 2025 · Amount on Record
Prior Sale	Jan 2, 2019 · Amount on Record
Deed Document Number	202539206
Prior Transfer Date	Feb 3, 2016
Prior Transfer Doc	0000006370
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	615 CEDAR ST, ST CHARLES, IL 60174-1732
Transaction Type	Mortgage
Record Updated	Oct 23, 2025
Title Company	CITYWIDE TITLE CORPORATION, CITYWIDE TITLE CORP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000065336
Date	Aug 26, 2021
Instrument	2021K065336

Lender

Name	KEY MORTGAGE SERVICES INC
Type	Mortgage Company
Address	SCHAUMBURG, IL 60173

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.37%

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 7, 2025
Property Address	615 CEDAR ST, ST CHARLES, IL 60174-1732
Document Number	0000039206
Instrument Date	Sep 26, 2025
Instrument	2025K039206
Transaction Type	Transfer
Record Updated	Oct 23, 2025
Title Company	BAIRD AND WARNER TITLE SERVICES INC, BAIRD & WARNER TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$445.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	615 CEDAR ST, SAINT CHARLES, IL 60174-1732

Mortgage

Document Number	0000039207
Date	Oct 7, 2025
Instrument	2025K039207

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Fixed Rate
Rate	6.62%

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 2, 2019
Property Address	615 CEDAR ST, ST CHARLES, IL 60174-1732
Document Number	0000000029
Instrument Date	Dec 5, 2018
Instrument	2019K000029
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	$245.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 CEDAR ST, SAINT CHARLES, IL 60174-1732

Mortgage

Document Number	0000000030
Date	Jan 2, 2019
Instrument	2019K000030

Lender

Name	KEY MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2049

Interest

Rate Type	Fixed Rate
Rate	5%

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
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	$6,608.00 (+3.3%) Homeowner's exemption	$103,966 (+10.38%) Land $28,292 Building $75,674	$312,023 (+10.38%) Land $84,910 Building $227,113
2024	$6,397.00 (+7.31%) Homeowner's exemption	$94,185 (+17.97%) Land $26,068 Building $68,117	$282,668 (+18.02%) Land $78,235 Building $204,433
2022	$5,961.00 (+4.27%) Homeowner's exemption	$79,835 (+4.91%) Land $25,308 Building $54,527	$239,505 (+4.91%) Land $75,924 Building $163,581
2021	$5,717.00 Homeowner's exemption	$76,099 Land $24,124 Building $51,975	$228,297 Land $72,372 Building $155,925

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 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

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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