Kane County property record for 812 Gray St, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,020 sqft · built 1972 |
| Lot Size | 0.207 acres (9,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $265,000 (Dec 2018) |
| Tax Bill | $9,330 (2025) |
| Deeds & Mortgages | Apr 2020 Mortgage Jul 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-33-479-023 |
| Primary APN | 09-33-479-023 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,020 sqft Living Area |
| Basement Area | 777 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,000 sqft (0.207 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Deck Area | Deck Area |
| Shed | 1 Shed |
| Shed Area | 152 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 812 GRAY ST |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-3841 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MAP AREA: 022-SW PRAIRE&7-14TH |
| Legal Subdivision | WESTFIELD PARK |
| Legal Block | 3 |
| Legal Lot Number | 103 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 852201 |
812 Gray St is owned and occupied by two individuals who bought it in December 2018.
Source: Kane County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 812 GRAY ST, SAINT CHARLES, IL 60174-3841 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants 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.
| Date | Document |
|---|---|
| Apr 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CORP |
| Jul 16, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CORP |
| Dec 11, 2018 | Warranty Deed, Transfer · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 11, 2018 · Amount on File |
| Deed Sale | Dec 11, 2018 · Amount on File |
| Deed Document Number | 201859507 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 812 GRAY ST, ST CHARLES, IL 60174-3841 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000019839 |
|---|---|
| Date | Apr 21, 2020 |
| Instrument | 2020K019839 |
| Name | FIRST CENTENNIAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | AURORA, IL 60506 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 812 GRAY ST, ST CHARLES, IL 60174-3841 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000030368 |
|---|---|
| Date | Jul 16, 2019 |
| Instrument | 2019K030368 |
| Name | FIRST CENTENNIAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | AURORA, IL 60506 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.62% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Dec 11, 2018 |
| Property Address | 812 GRAY ST, ST CHARLES, IL 60174-3841 |
| Document Number | 0000059507 |
| Instrument Date | Nov 27, 2018 |
| Instrument | 2018K059507 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | CHICAGO TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $265.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 933 BLACK WILLOW DRIVE, SAINT CHARLES, IL 60175 |
| Document Number | 0000059508 |
|---|---|
| Date | Dec 11, 2018 |
| Instrument | 2018K059508 |
| Name | FIRST CENTENNIAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.25% |
The 2025 property tax bill for 812 Gray St was $9,330 with a homeowner's exemption.
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 | $9,330.00 Homeowner's exemption | $141,516 (+8.53%) Land $38,396 Building $103,120 | $424,718 (+8.53%) Land $115,234 Building $309,484 |
| 2024 | $130,393 Land $35,378 Building $95,015 | $391,336 Land $106,176 Building $285,159 | |
| 2022 | $8,337.00 (+4.15%) Homeowner's exemption | $109,266 (+4.91%) Land $32,095 Building $77,171 | $327,798 (+4.91%) Land $96,285 Building $231,513 |
| 2021 | $8,005.00 Homeowner's exemption | $104,152 Land $30,593 Building $73,559 | $312,456 Land $91,779 Building $220,677 |
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.
FEMA maps place 812 Gray St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 8, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 812 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 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 441 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 Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
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