Kane County property record for 700 E Main St, Saint Charles, IL 60174 · Last verified August 2026
| Property Type | Commercial |
|---|---|
| Details | 1,820 sqft · built 1985 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | Company Name on File |
| Last Sale | $550,000 (Oct 1998) |
| Tax Bill | $17,828 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage Jan 2021 Construction Loan + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-27-463-005 |
| Primary APN | 09-27-463-005 |
|---|
| Units | 5 Units |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,820 sqft Gross Area |
| Basement Area | 1,820 sqft |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Lot Area | 5,000 sqft (0.115 acres) |
| Street Address | 700 E MAIN ST |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-2200 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | MAP AREA: 161-COMMRCL OFFICE |
| Legal Subdivision | MINARD FERSON&HUNTS |
| Legal Block | 1 |
| Legal Lot Number | 5-7 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 852300 |
Source: Kane County records · APN 09-27-463-005
Assessment roll updated July 23, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 700 E MAIN ST, SAINT CHARLES, IL 60174-2200 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Jan 13, 2021 | Deed of Trust, Mortgage · Commercial Mortgage BANK OF THE WEST |
| Jan 13, 2021 | Deed of Trust, Construction Loan · Construction Mortgage BANK OF WEST |
| Feb 06, 2017 | Loan Modification, Mortgage · Line of Credit FIRST MIDWEST BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 09, 1998 · Amount on Record |
| Deed Sale | Oct 09, 1998 · Amount on Record |
| Deed Document Number | 199892772 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 700 E MAIN ST, ST CHARLES, IL 60174-2200 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000003179 |
|---|---|
| Date | Jan 13, 2021 |
| Instrument | 2021K003179 |
| Name | BANK OF THE WEST |
|---|---|
| Type | Bank |
| Address | MEQUON, WI 53092 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jan 13, 2021 |
| Property Address | 700 E MAIN ST, ST CHARLES, IL 60174-2200 |
| Document Number | 0000003180 |
| Instrument Date | Dec 22, 2020 |
| Instrument | 3180 |
| Transaction Type | Construction Loan |
| Record Updated | Jan 29, 2021 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 700 E MAIN ST ST CHARLES IL 601742200, ST CHARLES, IL 60174-2200 |
| Document Number | 0000003180 |
|---|---|
| Date | Jan 13, 2021 |
| Instrument | 3180 |
| Name | BANK OF WEST |
|---|---|
| Address | MEQUON, WI 53092 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jan 12, 2031 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 700 E MAIN ST, ST CHARLES, IL 60174-2200 |
| Document Number | 0000029770 |
| Instrument Date | Feb 06, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 21, 2018 |
| Title Company | OTHER |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1501 COMMERCE DR ELGIN IL 601239304, ELGIN, IL 60123-9304 |
| Document Number | 0000029770 |
|---|---|
| Date | Jun 12, 2017 |
| Instrument | 29770 |
| Name | FIRST MIDWEST BK |
|---|---|
| Type | Bank |
| Address | ITASCA, IL 60143 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Kane County records · Assessment roll updated July 23, 2026 · Last verified August 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) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $17,828.00 (-0.62%) | $254,206 (+8.53%) Land $30,312 Building $223,894 | $762,923 (+8.53%) Land $90,972 Building $671,951 |
| 2024 | $234,227 (+5.42%) Land $27,930 Building $206,297 | $702,962 (+5.47%) Land $83,824 Building $619,139 | |
| 2022 | $17,939.00 (+3.86%) | $222,178 (+4.91%) Land $24,902 Building $197,276 | $666,534 (+4.91%) Land $74,706 Building $591,828 |
| 2021 | $17,272.00 | $211,780 Land $23,737 Building $188,043 | $635,340 Land $71,211 Building $564,129 |
Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170898523001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 7 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 7 in force 5 of 7 on primary residences |
| Nearby Flood Claims | 29 (1979–2020) |
| Claims Outside the SFHA | 5 of 29 |
| Most Recent Claim | May 2020, rainfall accumulation |
| Flood Events |
|
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
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