Kane County property record for 726 S 3rd St, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,440 sqft · built 1935 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $300,000 (Nov 2023) |
| Tax Bill | $8,087 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit Feb 2026 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-34-179-010 |
| Primary APN | 09-34-179-010 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,440 sqft Living Area |
| Basement Area | 720 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 1969 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 8,276 sqft (0.19 acres) |
| Garage Type | Detached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
| Deck Area | Deck Area |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 726 S 3RD ST |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-3910 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MAP AREA: 020-SW SIDE-RIV |
| Legal Block | 4 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 852201 |
726 S 3rd St is owned and occupied by two individuals who bought it in November 2023.
Source: Kane County records, as of August 28, 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 | 1632 LUCYLLE AVE, SAINT CHARLES, IL 60174-4539 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Aug 19, 2026 | Deed of Trust, Mortgage · Line of Credit GUARANTEED RATE |
| Feb 19, 2026 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP |
| Nov 30, 2023 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 30, 2023 · Amount on File |
| Deed Sale | Nov 30, 2023 · Amount on File |
| Prior Sale | Dec 15, 1994 · Amount on File |
| Deed Document Number | 202341828 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Aug 19, 2026 |
| Property Address | 726 S 3RD ST, SAINT CHARLES, IL 60174-3910 |
| Document Number | 0000035807 |
| Instrument Date | Aug 14, 2026 |
| Instrument | 202635807 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 726 S 3RD ST, SAINT CHARLES, IL 60174-3910 |
| Document Number | 0000035807, |
|---|---|
| Date | Aug 19, 2026 |
| Instrument | 202635807 |
| Name | GUARANTEED RATE |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 726 S 3RD ST, ST CHARLES, IL 60174-3910 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 726 S 3RD ST, SAINT CHARLES, IL 60174-3910 |
| Document Number | 0000006796 |
|---|---|
| Date | Feb 19, 2026 |
| Instrument | 2026K006796 |
| Name | AMERICAN PACIFIC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ROSEVILLE, CA 95661 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.87% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Nov 30, 2023 |
| Property Address | 726 S 3RD ST, SAINT CHARLES, IL 60174-3910 |
| Document Number | 0000041828 |
| Instrument Date | Nov 16, 2023 |
| Instrument | 2023K041828 |
| Transaction Type | Transfer |
| Record Updated | Dec 6, 2023 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $300.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 726 S 3RD ST, SAINT CHARLES, IL 60174-3910 |
| Document Number | 0000041829 |
|---|---|
| Date | Nov 30, 2023 |
| Instrument | 2023K041829 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2053 |
| Rate | 7.75% |
|---|
The 2025 property tax bill for 726 S 3rd St was $8,087 with a homeowner's exemption.
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 | $8,087.00 | $123,315 (+8.53%) Land $35,162 Building $88,153 | $370,093 (+8.53%) Land $105,528 Building $264,565 |
| 2024 | $113,623 Land $32,398 Building $81,225 | $341,005 Land $97,233 Building $243,773 | |
| 2022 | $7,261.00 (+4.2%) Homeowner's exemption | $95,930 (+4.91%) Land $28,406 Building $67,524 | $287,790 (+4.91%) Land $85,218 Building $202,572 |
| 2021 | $6,968.00 Homeowner's exemption | $91,441 Land $27,077 Building $64,364 | $274,323 Land $81,231 Building $193,092 |
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 726 S 3rd 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.
The area around 726 S 3rd St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 494 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 DSL · Fixed Wireless in parts of the area | 100 / 20 |
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