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734 Gray St, Saint Charles, IL 60174 Property Records

Kane County property record for 734 Gray St, Saint Charles, IL 60174

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 2,160 sqft · built 1972
Lot Size0.229 acres (9,960 sqft)
Owner2 Individual Names on File
Last Sale$277,500 (Sep 2019)
Tax Bill$9,582 (2025)
Deeds & MortgagesSep 2019 Sale & Mortgage
Jun 2018 Transfer
Flood ZoneZone X (minimal risk)
APN09-33-479-026

Property Details

APN / Parcel Number

Primary APN09-33-479-026

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms7 Rooms
Stories2 Stories
Building Area2,160 sqft Living Area
Basement Area960 sqft
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1972
Effective Year BuiltEffective 1972
Exterior MaterialCombination
Construction TypeFrame
Foundation TypeConcrete
Roof TypeGable
Roof MaterialAsphalt
Lot Area9,960 sqft (0.229 acres)
Garage TypeAttached
Garage Area420 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Street Address734 GRAY ST
CitySAINT CHARLES
StateIL
Zip60174-3801
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionWESTFIELD PARK SUB. UNIT NO. 3 - LOT 106
Legal SubdivisionWESTFIELD PARK SUB
Legal Block3
Legal Lot Number106
Legal Unit3
JurisdictionKANE IL
Township / Civil DivisionST. CHARLES
Census Block Group3
Census Block3014
Census Tract852201

Owner

734 Gray St is owned and occupied by two individuals who bought it in September 2019.

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

Owner of Record2 Individual Names on File
Mailing Address734 GRAY ST, SAINT CHARLES, IL 60174-3801
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants 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

DateDocument
Sep 27, 2019Warranty Deed, Transfer · Conventional Mortgage
ILLINOIS NATIONAL BANK
Jun 11, 2018Quit Claim Deed, Transfer
CHICAGO TITLE COMPANY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 27, 2019 · Amount on File
Deed SaleSep 27, 2019 · Amount on File
Deed Document Number201945432
Prior Transfer DateJun 7, 2018
Prior Transfer Doc0000027159
Record UpdatedOct 29, 2026

September 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKANE IL
Recording DateSep 27, 2019
Property Address734 GRAY ST, ST CHARLES, IL 60174-3801
Document Number0000045432
Instrument DateSep 26, 2019
Instrument2019K045432
Transaction TypeTransfer
Record UpdatedJul 27, 2021
Title CompanyCHICAGO TITLE INSURANCE CO

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$277.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address734 GRAY ST, SAINT CHARLES, IL 60174-3801

Mortgage

Document Number0000045433
DateSep 27, 2019
Instrument2019K045433
Lender
NameILLINOIS NATIONAL BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueOct 1, 2049

June 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionKANE IL
Recording DateJun 11, 2018
Property Address734 GRAY ST, ST CHARLES, IL 60174-3801
Document Number0000027159
Instrument DateJun 7, 2018
Instrument27159
Transaction TypeTransfer
Record UpdatedJun 26, 2018
Title CompanyCHICAGO TITLE COMPANY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address734 GRAY ST ST CHARLES IL 601743801, ST CHARLES, IL 60174-3801

Tax Assessment & Valuation

The 2025 property tax bill for 734 Gray St was $9,582 with a homeowner's exemption.

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionSt. Charles Township
MunicipalitySt. Charles City
Unified School DistrictSt. Charles Community Unit School District 303 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$9,582.00 Homeowner's exemption$144,634 (+8.53%) Land $38,396 Building $106,238$434,076 (+8.53%) Land $115,234 Building $318,842
2024$133,266 Land $35,378 Building $97,888$399,958 Land $106,176 Building $293,782
2022$8,024.00 (+4.17%) Homeowner's exemption$105,390 (+4.91%) Land $32,095 Building $73,295$316,170 (+4.91%) Land $96,285 Building $219,885
2021$7,703.00 Homeowner's exemption$100,458 Land $30,593 Building $69,865$301,374 Land $91,779 Building $209,595

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 734 Gray St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 734 Gray 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 RiskNot rated
no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 441 locations within half a mile, as of December 31, 2025

ProviderMax 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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