Kane County property record for 704 Gray St, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,984 sqft · built 1973 |
| Lot Size | 0.295 acres (12,853 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $293,000 (Nov 2020) |
| Tax Bill | $7,877 (2025) |
| Deeds & Mortgages | Nov 2020 Sale & Mortgage Jul 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-33-479-031 |
| Primary APN | 09-33-479-031 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,984 sqft Living Area |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,853 sqft (0.295 acres) |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 704 GRAY ST |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-3801 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MAP AREA: 022-SW PRAIRE&7-14TH |
| Legal Subdivision | WESTFIELD PARK |
| Legal Block | 3 |
| Legal Lot Number | 131 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 852201 |
704 Gray St is owned and occupied by two individuals who bought it in November 2020.
Source: Kane County records, as of July 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 704 GRAY ST, SAINT CHARLES, IL 60174-3801 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Nov 23, 2020 | Warranty Deed, Transfer · Conventional Mortgage KEY MORTGAGE SERVICES INC |
| Jul 6, 2020 | Grant Deed, Transfer · Conventional Mortgage UNITED HM LNS |
| Apr 25, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 23, 2020 · Amount on File |
| Deed Sale | Nov 23, 2020 · Amount on File |
| Prior Sale | Jul 6, 2020 · Amount on File |
| Deed Document Number | 202072154 |
| Prior Transfer Date | Apr 2, 2019 |
| Prior Transfer Doc | 0000016190 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Nov 23, 2020 |
| Property Address | 704 GRAY ST, ST CHARLES, IL 60174-3801 |
| Document Number | 0000072154 |
| Instrument Date | Sep 23, 2020 |
| Instrument | 2020K072154 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | FIDELITY NATIONAL TITLE INS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $293.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 704 GRAY ST, 704, SAINT CHARLES, IL 60174-3801 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 704 GRAY ST, SAINT CHARLES, IL 60174-3801 |
| Document Number | 0000072155 |
|---|---|
| Date | Nov 23, 2020 |
| Instrument | 2020K072155 |
| Name | KEY MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Oct 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jul 6, 2020 |
| Property Address | 704 GRAY ST, ST CHARLES, IL 60174-3801 |
| Document Number | 0000035954 |
| Instrument Date | Jun 25, 2020 |
| Instrument | 35954 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2020 |
| Title Company | STARCK TITLE SERVICES, STARCK TITLE SVCS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $431.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 628 HARRISON STREETAPT A OAK PARK IL 60304, OAK PARK, IL 60304 |
| Document Number | 35955 |
|---|---|
| Date | Jul 6, 2020 |
| Instrument | 35955 |
| Name | UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | WESTCHESTER, IL 60154 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jul 5, 2035 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Apr 25, 2019 |
| Property Address | 704 GRAY ST, ST CHARLES, IL 60174-3801 |
| Document Number | 0000016190 |
| Instrument Date | Apr 2, 2019 |
| Instrument | 16190 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 704 GRAY ST ST CHARLES IL 601743801, ST CHARLES, IL 60174-3801 |
The 2025 property tax bill for 704 Gray St was $7,877 with exemptions applied.
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 | $7,877.00 Homeowner's exemption Senior Citizen's exemption | $128,315 (+8.53%) Land $38,396 Building $89,919 | $385,099 (+8.53%) Land $115,234 Building $269,865 |
| 2024 | $118,230 Land $35,378 Building $82,852 | $354,832 Land $106,176 Building $248,655 | |
| 2022 | $7,103.00 (+4.5%) Homeowner's exemption | $98,979 (+4.91%) Land $32,095 Building $66,884 | $296,937 (+4.91%) Land $96,285 Building $200,652 |
| 2021 | $6,797.00 Homeowner's exemption | $94,347 Land $30,593 Building $63,754 | $283,041 Land $91,779 Building $191,262 |
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 704 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.
Wildfire risk around 704 Gray St 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.
Source: FCC Broadband Data Collection, based on 441 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 Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
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