6N372 E Ridgewood Dr, Saint Charles, IL 60175 Property Records

Kane County property record for 6N372 E Ridgewood Dr, Saint Charles, IL 60175

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,536 sqft · built 1996
Lot Size	1.18 acres (51,836 sqft)
Owner	2 Individual Names on File
Last Sale	$820,000 (Aug 2025)
Tax Bill	$15,547 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit May 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-09-302-011`

Property Details

APN / Parcel Number

Primary APN	`09-09-302-011`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	3,536 sqft Living Area
Basement Area	860 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	51,836 sqft
Garage Type	Attached
Garage Area	742 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	6N372 E RIDGEWOOD DR
City	SAINT CHARLES
State	IL
Zip	60175-6283
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	133 RIDGE
Legal Subdivision	RED GATE RIDGE
Legal Block	2
Legal Lot Number	133
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2004
Census Tract	852103

Owner

6N372 E Ridgewood Dr is owned and occupied by two individuals who bought it in August 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	6N372 E RIDGEWOOD DR, SAINT CHARLES, IL 60175-6283
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 28, 2024	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
May 21, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Apr 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 8, 2025 · Amount on File
Deed Sale	Aug 8, 2025 · Amount on File
Prior Sale	Aug 26, 2015 · Amount on File
Deed Document Number	202530062
Prior Transfer Date	May 7, 2020
Prior Transfer Doc	0000026224
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	6N372 E RIDGEWOOD DR, ST CHARLES, IL 60175-6283
Transaction Type	Mortgage
Record Updated	Apr 9, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010013
Date	Mar 28, 2024
Instrument	2024K010013

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Mar 27, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	May 21, 2020
Property Address	6N372 E RIDGEWOOD DR, ST CHARLES, IL 60175-6283
Document Number	0000026224
Instrument Date	May 7, 2020
Instrument	26224
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	6N372 E RIDGEWOOD DR ST CHARLES IL 601756283, ST CHARLES, IL 60175-6283

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	6N372 E RIDGEWOOD DR, ST CHARLES, IL 60175-6283
Document Number	0000022715
Instrument Date	Apr 21, 2020
Transaction Type	Mortgage
Record Updated	Jul 14, 2020
Title Company	RAVENSWOOD TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	6N372 E RIDGEWOOD DR ST CHARLES IL 601756283, ST CHARLES, IL 60175-6283

Mortgage

Document Number	0000022715
Date	May 6, 2020
Instrument	22715

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	May 5, 2040

Interest

Rate Type	Fixed Rate
Rate	3.37%

Tax Assessment & Valuation

The 2025 property tax bill for 6N372 E Ridgewood Dr was $15,547.

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	$15,547.00	$242,924 (+13.49%) Land $43,285 Building $199,639	$729,064 (+13.49%) Land $129,907 Building $599,157
2024		$214,040 Land $39,883 Building $174,157	$642,377 Land $119,697 Building $522,680
2022	$13,421.00 (+6.01%) Homeowner's exemption	$183,164 (+5.89%) Land $37,536 Building $145,628	$549,492 (+5.89%) Land $112,608 Building $436,884
2021	$12,660.00 Homeowner's exemption	$172,972 Land $35,779 Building $137,193	$518,916 Land $107,337 Building $411,579

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 6N372 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 6N372 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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