Kane County property record for 722 Gray St, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,976 sqft · built 1973 |
| Lot Size | 0.248 acres (10,800 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $261,000 (Feb 2020) |
| Tax Bill | $8,081 (2025) |
| Deeds & Mortgages | Feb 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-33-479-028 |
| Primary APN | 09-33-479-028 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,976 sqft Living Area |
| 1st Floor Area | 1,976 sqft |
| Basement Area | 704 sqft |
| 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 | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,800 sqft (0.248 acres) |
| Garage Type | Attached |
| Garage Area | 528 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 | 722 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 | 108 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 852201 |
Source: Kane County records, as of July 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 722 GRAY ST, SAINT CHARLES, IL 60174-3801 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 11, 2020 · Amount on Record |
| Deed Sale | Feb 11, 2020 · Amount on Record |
| Deed Document Number | 20207590 |
| Prior Transfer Date | Jan 13, 2016 |
| Prior Transfer Doc | 0000003632 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 722 GRAY ST, ST CHARLES, IL 60174-3801 |
| Instrument Date | Feb 7, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 26, 2020 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 6N965 HOMEWARD GLEN DR ST CHARLES IL 601758005, ST CHARLES, IL 60175-8005 |
| Document Number | 7591 |
|---|---|
| Date | Feb 11, 2020 |
| Instrument | 7591 |
| Name | FIRST CENTENNIAL MTG CORP |
|---|---|
| Address | AURORA, IL 60506 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 10, 2050 |
| Rate Type | Fixed Rate |
|---|
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 | $8,081.00 (+12.25%) Homeowner's exemption | $123,233 (+8.53%) Land $38,396 Building $84,837 | $369,847 (+8.53%) Land $115,234 Building $254,613 |
| 2024 | $113,547 (+19.31%) Land $35,378 Building $78,169 | $340,777 (+19.35%) Land $106,176 Building $234,601 | |
| 2022 | $7,199.00 (+4.2%) Homeowner's exemption | $95,172 (+4.91%) Land $32,095 Building $63,077 | $285,516 (+4.91%) Land $96,285 Building $189,231 |
| 2021 | $6,909.00 Homeowner's exemption | $90,718 Land $30,593 Building $60,125 | $272,154 Land $91,779 Building $180,375 |
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.
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.
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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