Kane County property record for 635 Ohio Ave, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,292 sqft · built 1940 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $382,500 (Dec 2023) |
| Tax Bill | $7,885 (2025) |
| Deeds & Mortgages | Dec 2023 Sale & Mortgage Sep 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-34-214-006 |
| Primary APN | 09-34-214-006 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,292 sqft Living Area |
| 1st Floor Area | 1,292 sqft |
| Basement Area | 860 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1974 |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,000 sqft (0.115 acres) |
| Garage Type | Detached |
| Garage Area | 318 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 635 OHIO AVE |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-3052 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MINARD, FERSON AND HUNTS ADD. - LOT 2 BLK 19 |
| Legal Subdivision | MINARD FERSON AND HUNTS ADD |
| Legal Block | 19 |
| Legal Lot Number | 2 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 1 |
| Census Block | 1057 |
| Census Tract | 852300 |
Source: Kane County records, as of July 21, 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 | 635 OHIO AVE, SAINT CHARLES, IL 60174-3052 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 28, 2023 | Warranty Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Sep 15, 2021 | Warranty Deed, Transfer · Conventional Mortgage MIDWEST COMMUNITY BANK |
| Nov 28, 2017 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Jan 9, 2020 | Deed of Trust, Mortgage · Closed-End Mortgage US BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 28, 2023 · Amount on Record |
| Deed Sale | Dec 28, 2023 · Amount on Record |
| Prior Sale | Sep 15, 2021 · Amount on Record |
| Deed Document Number | 202345225 |
| Prior Transfer Date | Sep 25, 2014 |
| Prior Transfer Doc | 0000052574 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Dec 28, 2023 |
| Property Address | 635 OHIO AVE, ST CHARLES, IL 60174-3052 |
| Document Number | 0000045225 |
| Instrument Date | Dec 22, 2023 |
| Instrument | 2023K045225 |
| Transaction Type | Transfer |
| Record Updated | Jan 8, 2024 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $382.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2405 WESTLAKE DR SE, LACEY, WA 98503-6945 |
| Document Number | 0000045226 |
|---|---|
| Date | Dec 28, 2023 |
| Instrument | 2023K045226 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2054 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.75% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Sep 15, 2021 |
| Property Address | 635 OHIO AVE, ST CHARLES, IL 60174-3052 |
| Document Number | 0000070165 |
| Instrument Date | Aug 18, 2021 |
| Instrument | 2021K070165 |
| Transaction Type | Transfer |
| Record Updated | Sep 22, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $313.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1905 SHORELINE DR, SAINT CHARLES, IL 60174-5563 |
| Document Number | 0000070166 |
|---|---|
| Date | Sep 15, 2021 |
| Instrument | 2021K070166 |
| Name | MIDWEST COMMUNITY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 635 OHIO AVE, ST CHARLES, IL 60174-3052 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000061905 |
|---|---|
| Date | Nov 28, 2017 |
| Instrument | 2017K061905 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 15, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 635 OHIO AVE, ST CHARLES, IL 60174-3052 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SOLIDIFI US INC |
| Name | Verified Name |
|---|
| Document Number | 0000001501 |
|---|---|
| Date | Jan 9, 2020 |
| Instrument | 2020K001501 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Dec 23, 2034 |
| Rate | 3.84% |
|---|
Source: Kane County assessment roll, as of August 25, 2025
| 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 | $7,885.00 (+13.4%) | ||
| 2024 | $113,277 (+31.54%) Land $25,807 Building $87,470 | $339,967 (+31.6%) Land $77,452 Building $262,515 | |
| 2022 | $6,953.00 (+16.23%) | $86,114 (+8.52%) Land $23,242 Building $62,872 | $258,342 (+8.52%) Land $69,726 Building $188,616 |
| 2021 | $5,982.00 Homeowner's exemption | $79,353 Land $22,154 Building $57,199 | $238,059 Land $66,462 Building $171,597 |
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 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 29 (1979–2020) |
| Claims Outside the SFHA | 5 of 29 |
| Most Recent Claim | May 2020 · rainfall accumulation |
| Claims by Event |
|
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.
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 492 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 · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
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