800 E Main St, Saint Charles, IL 60174 Property Records

Kane County property record for 800 E Main St, Saint Charles, IL 60174

Property Summary

Property Type	Commercial
Details	1,354 sqft · built 1950
Lot Size	0.216 acres (9,409 sqft)
Owner	2 Individual Names on File
Last Sale	$225,000 (Aug 2021)
Tax Bill	$5,298 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-27-476-010`

Property Details

APN / Parcel Number

Primary APN	`09-27-476-010`

Interior

Stories	1 Story
Building Area	1,354 sqft Gross Area
1st Floor Area	1,354 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1979
Lot Area	9,409 sqft (0.216 acres)

Location & Zoning

Street Address	800 E MAIN ST
City	SAINT CHARLES
State	IL
Zip	60174-2257
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	MINARD, FERSON & HUNTS FIRST ADD LOTS 5 & 6 IN BLK DESC IN DOC 1483033 (EX PT DESC IN DOC 2003K207508 FOR ROAD)
Legal Subdivision	MINARD FERSON&HUNTS FIRST ADD
Legal Block	1
Legal Lot Number	5,6
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	1
Census Block	1021
Census Tract	852300

Owner

Source: Kane County records · APN 09-27-476-010

Assessment roll updated August 25, 2025 · Last verified July 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 File
Mailing Address	800 E MAIN ST, SAINT CHARLES, IL 60174-2257
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 23, 2021 · Amount on Record
Deed Sale	Aug 23, 2021 · Amount on Record
Deed Document Number	202164201
Record Updated	Sep 20, 2026

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	KANE IL
Recording Date	Aug 23, 2021
Property Address	800 E MAIN ST, SAINT CHARLES, IL 60174-2257
Document Number	0000064201
Instrument Date	Jun 28, 2021
Instrument	2021K064201
Transaction Type	Transfer
Record Updated	Aug 30, 2021
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE LAND TRUST CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$225.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	800 E MAIN ST, SAINT CHARLES, IL 60174-2257

Mortgage

Document Number	0000064202
Date	Aug 23, 2021
Instrument	2021K064202

Lender

Name	MICHAEL MUSTARD
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

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	$5,298.00 (+1.9%)
2024		$69,607 (+8.09%) Land $35,039 Building $34,568	$208,905 (+8.14%) Land $105,159 Building $103,745
2022	$5,199.00 (+3.86%)	$64,395 (+4.91%) Land $31,241 Building $33,154	$193,185 (+4.91%) Land $93,723 Building $99,462
2021	$5,006.00	$61,381 Land $29,779 Building $31,602	$184,143 Land $89,337 Building $94,806

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 8, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	29 (1979–2020)
Claims Outside the SFHA	5 of 29
Most Recent Claim	May 2020 · rainfall accumulation
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 2 claims Severe Storms And Flooding, Sep 2008 · 7 claims

Wildfire

Wildfire Risk	Not rated no burnable land within 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Metronet Holdings Fiber	5,120 / 5,120
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

Based on FCC filings for 492 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ST CHARLES serves 33,081 people
Water Source	Groundwater
Last State Inspection	Oct 2022
Lead	4 ppb (2026) action level 15 ppb

Violations Reported to EPA

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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.