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620 State St, Saint Charles, IL 60174 Property Records

Kane County property record for 620 State St, Saint Charles, IL 60174

Property Summary

Property TypeSingle Family Home
Details2 bd · 1.5 ba · 1,384 sqft · built 1920
Lot Size0.19 acres (8,276 sqft)
OwnerIndividual Name on File
Last Sale$123,000 (Aug 1996)
Tax Bill$6,176 (2025)
Deeds & MortgagesOct 2017 Loan Modification
Flood ZoneZone X (minimal risk)
APN09-28-477-005

Property Details

APN / Parcel Number

Primary APN09-28-477-005

Interior

Bedrooms2 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms6 Rooms
Stories2 Stories
Building Area1,384 sqft Living Area
Basement Area720 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1920
Effective Year BuiltEffective 1969
Exterior MaterialCombination
Construction TypeFrame
Roof TypeGable
Roof MaterialAsphalt
Lot Area8,276 sqft (0.19 acres)
Garage TypeDetached
Garage Area440 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Deck AreaDeck Area

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Street Address620 STATE ST
CitySAINT CHARLES
StateIL
Zip60174-1751
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionPT
Legal Block1
JurisdictionKANE IL
Township / Civil DivisionST. CHARLES
Census Block Group1
Census Block1000
Census Tract852203

Owner

620 State St is owned and occupied by an individual who acquired it in March 2001.

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 RecordIndividual Name on File
Mailing Address620 STATE ST, SAINT CHARLES, IL 60174-1751
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 13, 1996 · Amount on File
Deed SaleAug 13, 1996 · Amount on File
Deed Document Number199657744
Last Transfer DateMar 23, 2001
Transfer Doc0000062185
Record UpdatedSep 20, 2026

October 2017: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionKANE IL
Property Address620 STATE ST, SAINT CHARLES, IL 60174-1751
Document Number0000059516
Instrument DateOct 12, 2017
Transaction TypeMortgage
Record UpdatedNov 30, 2017

Transferred To (Grantee/Buyer)

NameVerified Name
Address620 STATE ST ST CHARLES IL 601741751, ST CHARLES, IL 60174-1751

Mortgage

Document Number0000059516
DateNov 14, 2017
Instrument59516
Lender
NameOCWEN LN SERVICING
TypeFunding / Finance Company
AddressWEST PALM BEACH, FL 33407
Agreement
TypeConventional with PMI
AmountAmount on Record
Term480 Months
DueNov 13, 2057
Interest
Rate TypeFixed Rate
Rate4.12%

Tax Assessment & Valuation

The 2025 property tax bill for 620 State St was $6,176 with a homeowner's exemption.

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$6,176.00 Homeowner's exemption$96,065 (+8.53%) Land $28,292 Building $67,773$288,310 (+8.53%) Land $84,910 Building $203,400
2024$88,514 Land $26,068 Building $62,446$265,648 Land $78,235 Building $187,413
2022$5,601.00 (+4.3%) Homeowner's exemption$75,377 (+4.91%) Land $25,308 Building $50,069$226,131 (+4.91%) Land $75,924 Building $150,207
2021$5,370.00 Homeowner's exemption$71,850 Land $24,124 Building $47,726$215,550 Land $72,372 Building $143,178

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 620 State St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard AreaZone AE, within 500 ft
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

The area around 620 State 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 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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