Kane County property record for 628 S 3rd St, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,392 sqft · built 1987 |
| Lot Size | 0.71 acres (3,074 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $240,000 (Jul 2022) |
| Tax Bill | $4,615 (2025) |
| Deeds & Mortgages | Oct 2019 Mortgage Feb 2020 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-34-179-036 |
| Primary APN | 09-34-179-036 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 1,392 sqft Living Area |
| Basement Area | 560 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 | 3,074 sqft (0.71 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 628 S 3RD ST |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-3909 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MAP AREA: 173-CONDOS MULTI-FAM |
| Legal Subdivision | PRAIRIE MANOR CONDOS |
| Legal Block | 4 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 852201 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 628 S 3RD ST, SAINT CHARLES, IL 60174-3909 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 29, 2019 | Deed of Trust, Mortgage · Conventional Mortgage WINTRUST MORTGAGE |
| Feb 21, 2020 | Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA |
| Jul 12, 2022 | Deed, Transfer · Conventional Mortgage CHERRY CREEK MORTGAGE CO INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 12, 2022 · Amount on Record |
| Deed Sale | Jul 12, 2022 · Amount on Record |
| Prior Sale | Feb 4, 1998 · Amount on Record |
| Deed Document Number | 202235668 |
| Prior Transfer Date | Apr 17, 1996 |
| Prior Transfer Doc | 0000041679 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 628 S 3RD ST, ST CHARLES, IL 60174-3909 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2022 |
| Title Company | SNP TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0000051928 |
|---|---|
| Date | Oct 29, 2019 |
| Instrument | 2019K051928 |
| Name | WINTRUST MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | DES PLAINES, IL 60018 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 628 S 3RD ST, ST CHARLES, IL 60174-3909 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000009267 |
|---|---|
| Date | Feb 21, 2020 |
| Instrument | 2020K009267 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 15, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 8.26% |
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jul 12, 2022 |
| Property Address | 628 S 3RD ST, ST CHARLES, IL 60174-3909 |
| Document Number | 0000035668 |
| Instrument Date | Jun 7, 2022 |
| Instrument | 2022K035668 |
| Transaction Type | Transfer |
| Record Updated | Sep 15, 2022 |
| Title Company | NOT AVAILABLE, LANDTRUST TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $240.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 628 S 3RD ST, SAINT CHARLES, IL 60174-3909 |
| Document Number | 0000035669 |
|---|---|
| Date | Jul 12, 2022 |
| Instrument | 2022K035669 |
| Name | CHERRY CREEK MORTGAGE CO INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
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 | $4,615.00 (+3.8%) Homeowner's exemption | $73,808 (+8.53%) Land $20,208 Building $53,600 | $221,513 (+8.53%) Land $60,648 Building $160,864 |
| 2024 | $68,007 (-0.09%) Land $18,620 Building $49,387 | $204,103 (-0.05%) Land $55,882 Building $148,220 | |
| 2022 | $4,446.00 (+45.1%) Disabled Person's exemption | $68,066 (+9.08%) Land $18,446 Building $49,620 | $204,198 (+9.08%) Land $55,338 Building $148,860 |
| 2021 | $3,064.00 Disabled Person's exemption | $62,399 Land $17,583 Building $44,816 | $187,197 Land $52,749 Building $134,448 |
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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