Kane County property record for 64 Gray St, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 3,096 sqft · built 1996 |
| Lot Size | 0.312 acres (13,612 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $515,500 (Aug 2019) |
| Tax Bill | $15,658 (2025) |
| Deeds & Mortgages | Jul 2020 Mortgage Aug 2019 Foreclosure |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-34-386-015 |
| Primary APN | 09-34-386-015 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 3,096 sqft Living Area |
| Basement Area | 498 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 13,612 sqft (0.312 acres) |
| Garage Type | Attached |
| Garage Area | 622 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 64 GRAY ST |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-4100 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 8 FALCONS MARK |
| Legal Subdivision | FALCONS MARK |
| Legal Block | 3 |
| Legal Lot Number | 8 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 852201 |
64 Gray St is owned and occupied by two individuals who bought it in August 2019.
Source: Kane County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 64 GRAY ST, SAINT CHARLES, IL 60174-4100 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 8, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MIDWEST COMMUNITY BANK |
| Aug 23, 2019 | Trustee's Deed, Foreclosure · Conventional Mortgage MIDWEST COMMUNITY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 23, 2019 · Amount on File |
| Deed Sale | Aug 23, 2019 · Amount on File |
| Prior Sale | Jan 26, 1999 · Amount on File |
| Deed Document Number | 201938456 |
| Prior Transfer Date | Aug 15, 2019 |
| Prior Transfer Doc | 0000038456 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 64 GRAY ST, ST CHARLES, IL 60174-4100 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000036627 |
|---|---|
| Date | Jul 8, 2020 |
| Instrument | 2020K036627 |
| Name | MIDWEST COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | FREEPORT, IL 61032 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3% |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Aug 23, 2019 |
| Property Address | 64 GRAY ST, ST CHARLES, IL 60174-4100 |
| Document Number | 0000038456 |
| Instrument Date | Aug 15, 2019 |
| Instrument | 2019K038456 |
| Transaction Type | Foreclosure |
| Record Updated | Jul 27, 2021 |
| Title Company | CHICAGO LAND AGENCY SERVICES |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $515.50 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 64 GRAY ST, SAINT CHARLES, IL 60174-4100 |
| Document Number | 0000038457 |
|---|---|
| Date | Aug 23, 2019 |
| Instrument | 2019K038457 |
| Name | MIDWEST COMMUNITY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.62% |
The 2025 property tax bill for 64 Gray St was $15,658 with a homeowner's exemption.
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 | $15,658.00 Homeowner's exemption | $231,269 (+8.53%) Land $44,458 Building $186,811 | $694,085 (+8.53%) Land $133,427 Building $560,657 |
| 2024 | $213,092 Land $40,964 Building $172,128 | $639,532 Land $122,941 Building $516,591 | |
| 2022 | $14,645.00 (+4.03%) Homeowner's exemption | $187,387 (+4.91%) Land $36,893 Building $150,494 | $562,161 (+4.91%) Land $110,679 Building $451,482 |
| 2021 | $14,078.00 Homeowner's exemption | $178,617 Land $35,166 Building $143,451 | $535,851 Land $105,498 Building $430,353 |
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.
FEMA maps place 64 Gray St in Zone X, an area of minimal flood risk.
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.
The area around 64 Gray 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.
Source: FCC Broadband Data Collection, based on 428 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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