Kane County property record for 620 S 3rd St, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,343 sqft · built 1987 |
| Lot Size | 0.66 acres (2,872 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $204,000 (Dec 2020) |
| Tax Bill | $4,650 (2025) |
| Deeds & Mortgages | Apr 2017 Mortgage Dec 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-34-179-033 |
| Primary APN | 09-34-179-033 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,343 sqft Living Area |
| Basement Area | 790 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 2,872 sqft (0.66 acres) |
| Garage Type | Attached |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 620 S 3RD ST |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-3909 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2C |
| Legal Subdivision | PRAIRIE MANOR CONDOS |
| Legal Block | 4 |
| Legal Lot Number | 1121 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 852201 |
Source: Kane County records, as of August 11, 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 | 620 S 3RD ST, SAINT CHARLES, IL 60174-3909 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 28, 2017 | Deed of Trust, Mortgage · Conventional Mortgage WINTRUST MORTGAGE |
| Dec 2, 2020 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 2, 2020 · Amount on Record |
| Deed Sale | Dec 2, 2020 · Amount on Record |
| Prior Sale | Jul 26, 2006 · Amount on Record |
| Deed Document Number | 202074244 |
| Prior Transfer Date | Jan 11, 1996 |
| Prior Transfer Doc | 0000005639 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 620 S 3RD ST, ST CHARLES, IL 60174-3909 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2022 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000021436 |
|---|---|
| Date | Apr 28, 2017 |
| Instrument | 2017K021436 |
| Name | WINTRUST MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | DES PLAINES, IL 60018 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2047 |
| Rate | 4.87% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Dec 2, 2020 |
| Property Address | 620 S 3RD ST, ST CHARLES, IL 60174-3909 |
| Document Number | 0000074244 |
| Map Reference | DOC 1853240 |
| Instrument Date | Nov 20, 2020 |
| Instrument | 2020K074244 |
| Transaction Type | Transfer |
| Record Updated | Sep 15, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $204.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 620 S 3RD ST, SAINT CHARLES, IL 60174-3909 |
| Investor | Possibly a Property Investor |
| Document Number | 0000074245 |
|---|---|
| Date | Dec 2, 2020 |
| Instrument | 2020K074245 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3% |
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 | $4,650.00 (+0.69%) Homeowner's exemption | $74,312 (+8.53%) Land $20,208 Building $54,104 | $223,025 (+8.53%) Land $60,648 Building $162,377 |
| 2024 | $68,472 (+8.34%) Land $18,620 Building $49,852 | $205,498 (+8.38%) Land $55,882 Building $149,616 | |
| 2022 | $4,618.00 (+4.39%) Homeowner's exemption | $63,202 (+4.91%) Land $18,446 Building $44,756 | $189,606 (+4.91%) Land $55,338 Building $134,268 |
| 2021 | $4,424.00 Homeowner's exemption | $60,244 Land $17,583 Building $42,661 | $180,732 Land $52,749 Building $127,983 |
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.
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.
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.
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 494 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 DSL · Fixed Wireless in parts of the area | 100 / 20 |
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