Kane County property record for 809 S 12th Ave, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,080 sqft · built 1973 |
| Lot Size | 0.193 acres (8,400 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $250,000 (Jun 2019) |
| Tax Bill | $6,396 (2025) |
| Deeds & Mortgages | Mar 2018 Line of Credit Jun 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-35-107-021 |
| Primary APN | 09-35-107-021 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 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 |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Split Level |
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,400 sqft (0.193 acres) |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | Deck Area |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 809 S 12TH AVE |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-3242 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 89 PARK |
| Legal Subdivision | RON-LEIGH PARK |
| Legal Block | 4 |
| Legal Lot Number | 89 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 4 |
| Census Block | 4020 |
| Census Tract | 852002 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 809 S 12TH AVE, SAINT CHARLES, IL 60174-3242 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Mar 14, 2018 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK |
| Jun 12, 2019 | Warranty Deed, Transfer · Conventional with PMI GUARANTEED RATE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 12, 2019 · Amount on Record |
| Deed Sale | Jun 12, 2019 · Amount on Record |
| Deed Document Number | 201924410 |
| Prior Transfer Date | Mar 27, 2002 |
| Prior Transfer Doc | 0000052809 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 809 S 12TH AVE, ST CHARLES, IL 60174-3242 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0000011863 |
|---|---|
| Date | Mar 14, 2018 |
| Instrument | 2018K011863 |
| Name | FIFTH THIRD BANK |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Feb 25, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jun 12, 2019 |
| Property Address | 809 S 12TH AVE, ST CHARLES, IL 60174-3242 |
| Document Number | 0000024410 |
| Instrument Date | Jun 12, 2019 |
| Instrument | 24410 |
| Transaction Type | Transfer |
| Record Updated | Jun 21, 2019 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $375.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1555 WOODCUTTER LN WHEATON IL 601899137, WHEATON, IL 60189-9137 |
| Document Number | 24411 |
|---|---|
| Date | Jun 12, 2019 |
| Instrument | 24411 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 11, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.25% |
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 | $6,396.00 (+19.13%) Homeowner's exemption Senior Citizen's exemption | $107,207 (+8.53%) Land $33,142 Building $74,065 | $321,750 (+8.53%) Land $99,466 Building $222,284 |
| 2024 | $98,781 (+27.46%) Land $30,537 Building $68,244 | $296,462 (+27.51%) Land $91,648 Building $204,814 | |
| 2022 | $5,369.00 (+4.72%) Homeowner's exemption | $77,498 (+4.91%) Land $26,563 Building $50,935 | $232,494 (+4.91%) Land $79,689 Building $152,805 |
| 2021 | $5,127.00 Homeowner's exemption | $73,871 Land $25,320 Building $48,551 | $221,613 Land $75,960 Building $145,653 |
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 |
|---|---|
| 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.
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 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 |
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