623 Walnut St, Saint Charles, IL 60174 Property Records

Kane County property record for 623 Walnut St, Saint Charles, IL 60174

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,986 sqft · built 2007
Lot Size	0.2 acres (8,712 sqft)
Owner	Trust Name on File
Last Sale	$572,000 (Jul 2022)
Tax Bill	$12,921 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Jan 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-34-105-001`

Property Details

APN / Parcel Number

Primary APN	`09-34-105-001`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,986 sqft Living Area
Basement Area	1,112 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Combination
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	781 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	623 WALNUT ST
City	SAINT CHARLES
State	IL
Zip	60174-2730
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NLY 1/2 OF LOTS 1 & 2 IN BLK 7 OF MILLINGTONS ADD
Legal Subdivision	MILLINGTONS ADD
Legal Block	7
Legal Lot Number	1,2
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	1
Census Block	1023
Census Tract	852203

Owner

623 Walnut St is owner-occupied and held in a trust since July 2022.

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

Owner of Record	Trust Name on File
Mailing Address	623 WALNUT ST, SAINT CHARLES, IL 60174-2730
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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
Jul 20, 2022	Warranty Deed, Transfer · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP
Jan 3, 2020	Warranty Deed, Transfer · Conventional Mortgage WEICHERT FINANCIAL SERVICES
Sep 7, 2017	Warranty Deed, Transfer · Conventional Mortgage CIBM BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2022 · Amount on File
Deed Sale	Jul 20, 2022 · Amount on File
Prior Sale	Jan 3, 2020 · Amount on File
Deed Document Number	202237130
Prior Transfer Date	Oct 7, 1994
Prior Transfer Doc	0000079989
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 20, 2022
Property Address	623 WALNUT ST, ST CHARLES, IL 60174-2730
Document Number	0000037130
Instrument Date	Jul 1, 2022
Instrument	2022K037130
Transaction Type	Transfer
Record Updated	Jul 26, 2022
Title Company	ATTORNEY'S TITLE, ATTORNEYS TITLE GUARANTY FUN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$572.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1147 BLACKHAWK CT, SCHAUMBURG, IL 60193-4203

Mortgage

Document Number	0000037131
Date	Jul 20, 2022
Instrument	2022K037131

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Fixed Rate
Rate	5.37%

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 3, 2020
Property Address	623 WALNUT ST, ST CHARLES, IL 60174-2730
Document Number	0000000331
Instrument Date	Nov 8, 2019
Instrument	2020K000331
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$492.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	623 WALNUT ST, SAINT CHARLES, IL 60174-2730

Mortgage

Document Number	0000000333
Date	Jan 3, 2020
Instrument	2020K000333

Lender

Name	WEICHERT FINANCIAL SERVICES
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.62%

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 7, 2017
Property Address	623 WALNUT ST, ST CHARLES, IL 60174-2730
Document Number	0000046952
Instrument Date	Aug 30, 2017
Instrument	2017K046952
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$490.00
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
Relationship	Tenants by the Entirety
Address	623 WALNUT ST, SAINT CHARLES, IL 60174-2730

Mortgage

Document Number	0000046953
Date	Sep 7, 2017
Instrument	2017K046953

Lender

Name	CIBM BANK
Type	Bank

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 623 Walnut St was $12,921.

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	$12,921.00	$202,239 (-0.03%) Land $46,479 Building $155,760	$606,960 (-0.03%) Land $139,493 Building $467,467
2024		$202,290 Land $42,826 Building $159,464	$607,113 Land $128,529 Building $478,583
2022	$13,222.00 (+4.04%) Homeowner's exemption	$169,764 (+4.91%) Land $42,427 Building $127,337	$509,292 (+4.91%) Land $127,281 Building $382,011
2021	$12,708.00 Homeowner's exemption	$161,818 Land $40,441 Building $121,377	$485,454 Land $121,323 Building $364,131

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

FEMA maps place 623 Walnut 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 623 Walnut 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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