Kane County property record for 807 Ohio Ave, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,246 sqft · built 1984 |
| Lot Size | 0.291 acres (12,685 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $310,000 (Jan 2021) |
| Tax Bill | $7,956 (2025) |
| Deeds & Mortgages | Aug 2023 Line of Credit May 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-34-226-021 |
| Primary APN | 09-34-226-021 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,246 sqft Living Area |
| 1st Floor Area | 1,246 sqft |
| Basement Area | 836 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Split Level |
| Exterior Material | Combination |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,685 sqft (0.291 acres) |
| Garage Type | Attached |
| Garage Area | 410 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 807 OHIO AVE |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-3147 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MAP AREA: 008-SEOLDTWN STC,AVE |
| Legal Subdivision | ASSUNTAS SUB |
| Legal Block | 1 |
| Legal Lot Number | 2 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 1 |
| Census Block | 1047 |
| Census Tract | 852300 |
Source: Kane County records, as of July 21, 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 | 807 OHIO AVE, SAINT CHARLES, IL 60174-3147 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Aug 9, 2023 | Deed of Trust, Mortgage · Line of Credit CREDIT UNION 1 |
| May 20, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NORTHPOINTE BANK |
| Jan 14, 2021 | Warranty Deed, Transfer · Conventional Mortgage ALLIED FIRST BANK SB |
| Aug 23, 2017 | Warranty Deed, Transfer · Conventional Mortgage MORTGAGE SVCS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 14, 2021 · Amount on Record |
| Deed Sale | Jan 14, 2021 · Amount on Record |
| Prior Sale | Aug 23, 2017 · Amount on Record |
| Deed Document Number | 20213362 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 807 OHIO AVE, ST CHARLES, IL 60174-3147 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000027246 |
|---|---|
| Date | Aug 9, 2023 |
| Instrument | 2023K027246 |
| Name | CREDIT UNION 1 |
|---|---|
| Type | Credit Union |
| Address | LOMBARD, IL 60148 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 30, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 807 OHIO AVE, ST CHARLES, IL 60174-3147 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000025914 |
|---|---|
| Date | May 20, 2020 |
| Instrument | 2020K025914 |
| Name | NORTHPOINTE BANK |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jan 14, 2021 |
| Property Address | 807 OHIO AVE, ST CHARLES, IL 60174-3147 |
| Document Number | 0000003362 |
| Instrument Date | Oct 15, 2020 |
| Instrument | 2021K003362 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $310.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 807 OHIO AVE, SAINT CHARLES, IL 60174-3147 |
| Document Number | 0000003363 |
|---|---|
| Date | Jan 14, 2021 |
| Instrument | 2021K003363 |
| Name | ALLIED FIRST BANK SB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Nov 1, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.62% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Aug 23, 2017 |
| Property Address | 807 OHIO AVE, ST CHARLES, IL 60174-3147 |
| Document Number | 0000043997 |
| Instrument Date | Aug 1, 2017 |
| Instrument | 43997 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2017 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $409.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1060 N FARNSWORTH AVE AURORA IL 605052059, AURORA, IL 60505-2059 |
| Document Number | 43998 |
|---|---|
| Date | Aug 23, 2017 |
| Instrument | 43998 |
| Name | MORTGAGE SVCS |
|---|---|
| Type | Mortgage Company |
| Address | BLOOMINGTON, IL 61704 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 22, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.12% |
Source: Kane County assessment roll, as of August 25, 2025
| 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 | $7,956.00 (+8.97%) Homeowner's exemption | ||
| 2024 | $113,287 (+17.49%) Land $36,560 Building $76,727 | $339,997 (+17.53%) Land $109,724 Building $230,273 | |
| 2022 | $7,301.00 (+4.21%) Homeowner's exemption | $96,425 (+4.91%) Land $32,926 Building $63,499 | $289,275 (+4.91%) Land $98,778 Building $190,497 |
| 2021 | $7,006.00 Homeowner's exemption | $91,912 Land $31,385 Building $60,527 | $275,736 Land $94,155 Building $181,581 |
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 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 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 |
|
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.
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 492 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 · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
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