809 S 11th Ave, Saint Charles, IL 60174 Property Records

Kane County property record for 809 S 11th Ave, Saint Charles, IL 60174

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,080 sqft · built 1974
Lot Size	0.195 acres (8,505 sqft)
Owner	Individual Name on Record
Tax Bill	$6,546 (2025)
Deeds & Mortgages	Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-35-106-018`

Property Details

APN / Parcel Number

Primary APN	`09-35-106-018`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,080 sqft Living Area
1st Floor Area	1,080 sqft
Basement Area	480 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Raised Ranch
Exterior Material	Combination
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,505 sqft (0.195 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	809 S 11TH AVE
City	SAINT CHARLES
State	IL
Zip	60174-3234
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	54 UNIT2
Legal Subdivision	RON-LEIGH PARK
Legal Block	4
Legal Lot Number	54
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	4
Census Block	4021
Census Tract	852002

Owner

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	Individual Name on Record
Mailing Address	809 S 11TH AVE, SAINT CHARLES, IL 60174-3234
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Venture

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 13, 2020
Deed Sale	Aug 13, 2020
Prior Sale	May 19, 2009 · Amount on Record
Deed Document Number	202045457
Prior Transfer Date	Jul 8, 2020
Prior Transfer Doc	0000045457
Record Updated	Oct 29, 2026

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Aug 13, 2020
Property Address	809 S 11TH AVE, ST CHARLES, IL 60174-3234
Document Number	0000045457
Instrument Date	Jul 8, 2020
Instrument	2020K045457
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FTC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Venture
Address	809 S 11TH AVE, SAINT CHARLES, IL 60174-3234

Mortgage

Document Number	0000045458
Date	Aug 13, 2020
Instrument	2020K045458

Lender

Name	FIRST STATE MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,546.00 (+20.29%) Homeowner's exemption	$101,336 (+8.53%) Land $33,142 Building $68,194	$304,130 (+8.53%) Land $99,466 Building $204,664
2024		$93,371 (+27.19%) Land $30,537 Building $62,834	$280,225 (+27.24%) Land $91,648 Building $188,577
2022	$5,442.00 (+4.31%) Homeowner's exemption	$73,412 (+4.91%) Land $26,563 Building $46,849	$220,236 (+4.91%) Land $79,689 Building $140,547
2021	$5,217.00 Homeowner's exemption	$69,976 Land $25,320 Building $44,656	$209,928 Land $75,960 Building $133,968

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	3 (1994–2020)
Claims Outside the SFHA	2 of 3
Most Recent Claim	May 2020 · rainfall accumulation

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.

Wildfire

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.

Drinking Water

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

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, 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 428 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20