6N340 E Ridgewood Dr, Saint Charles, IL 60175 Property Records

Kane County property record for 6N340 E Ridgewood Dr, Saint Charles, IL 60175

Property Summary

Property Type	Single Family Home
Details	5 bd · 1.5 ba · 3,598 sqft · built 1995
Lot Size	1.4 acres (60,984 sqft)
Owner	2 Individual Names on File
Last Sale	$530,000 (Jul 2017)
Tax Bill	$15,457 (2025)
Deeds & Mortgages	May 2024 Second Mortgage Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-09-302-012`

Property Details

APN / Parcel Number

Primary APN	`09-09-302-012`

Interior

Bedrooms	5 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,598 sqft Living Area
Basement Area	1,353 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Brick
Roof Type	Hip
Roof Material	Asphalt
Lot Area	60,984 sqft
Garage Type	Attached
Garage Area	728 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	6N340 E RIDGEWOOD DR
City	SAINT CHARLES
State	IL
Zip	60175-6283
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAP AREA: 039-SLVRDGE,RDGATRDG
Legal Subdivision	RED GATE RIDGE
Legal Block	2
Legal Lot Number	10
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2004
Census Tract	852103

Owner

6N340 E Ridgewood Dr is owned and occupied by two individuals who bought it in July 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	6N340 E RIDGEWOOD DR, SAINT CHARLES, IL 60175-6283
Occupancy	Owner Occupied
Owner Type	Individual

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
May 3, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DUPAGE CU
Oct 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 6, 2017	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2017 · Amount on File
Deed Sale	Jul 6, 2017 · Amount on File
Prior Sale	May 1, 1995 · Amount on File
Deed Document Number	201734789
Record Updated	Sep 20, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	6N340 E RIDGEWOOD DR, ST CHARLES, IL 60175-6283
Transaction Type	Mortgage
Record Updated	May 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014779
Date	May 3, 2024
Instrument	2024K014779

Lender

Name	DUPAGE CU
Type	Credit Union
Address	NAPERVILLE, IL 60567

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	May 1, 2034

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	6N340 E RIDGEWOOD DR, ST CHARLES, IL 60175-6283
Transaction Type	Mortgage
Record Updated	Aug 5, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000078559
Date	Oct 18, 2021
Instrument	2021K078559

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	355 Months
Due	May 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.25%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	6N340 E RIDGEWOOD DR, ST CHARLES, IL 60175-6283
Transaction Type	Mortgage
Record Updated	Aug 5, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000061449
Date	Aug 11, 2021
Instrument	2021K061449

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	357 Months
Due	May 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.25%

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 6, 2017
Property Address	6N340 E RIDGEWOOD DR, ST CHARLES, IL 60175-6283
Document Number	0000034789
Instrument Date	Jun 30, 2017
Instrument	2017K034789
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	CHICAGO TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$530.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16 WAYNEWOOD DR, 16, WEST CHICAGO, IL 60185

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6 N340 RIDEWOOD DIR, SAINT CHARLES, IL 60174

Mortgage

Document Number	0000034790
Date	Jul 6, 2017
Instrument	2017K034790

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

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

Mortgage

Document Number	0000034791
Date	Jul 6, 2017
Instrument	2017K034791

Lender

Name	EVERGREEN BANK GROUP
Type	Bank
Address	OAK BROOK, IL 60523

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jun 30, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 6N340 E Ridgewood Dr was $15,457 with a homeowner's exemption.

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	St. Charles Township
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	$15,457.00 Homeowner's exemption	$239,523 (+8.53%) Land $47,711 Building $191,812	$718,857 (+8.53%) Land $143,190 Building $575,666
2024		$220,697 Land $43,961 Building $176,736	$662,356 Land $131,936 Building $530,420
2022	$13,668.00 (+6%) Homeowner's exemption	$184,693 (+4.91%) Land $41,475 Building $143,218	$554,079 (+4.91%) Land $124,425 Building $429,654
2021	$12,894.00 Homeowner's exemption	$176,049 Land $39,534 Building $136,515	$528,147 Land $118,602 Building $409,545

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 6N340 E Ridgewood Dr 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.

Wildfire

Wildfire risk around 6N340 E Ridgewood Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 74% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 120 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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