Kane County property record for 812 S 3rd St, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,337 sqft · built 1930 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $172,000 (Jan 2003) |
| Tax Bill | $8,100 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Mar 2021 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-34-181-002 |
| Primary APN | 09-34-181-002 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,337 sqft Living Area |
| Basement Area | 683 sqft |
| Interior Walls | Plaster |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1969 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,970 sqft (0.16 acres) |
| Garage Type | Attached |
| Garage Area | 200 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Deck Area | Deck Area |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 812 S 3RD ST |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-4002 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MAP AREA: 020-SW SIDE-RIV |
| Legal Subdivision | WILLIAM H WILCOXS ADD |
| Legal Block | 4 |
| Legal Lot Number | 1 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 4 |
| Census Block | 4026 |
| Census Tract | 852201 |
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 Company Names on Record |
|---|---|
| Mailing Address | 40N558 MAIN ST, BATAVIA, IL 60510 |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Jan 12, 2022 | Deed of Trust, Mortgage · Conventional Mortgage MIDWEST COMMUNITY BANK |
| Mar 3, 2021 | Intrafamily Transfer, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO |
| Feb 4, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 29, 2003 · Amount on Record |
| Deed Sale | Jan 29, 2003 · Amount on Record |
| Deed Document Number | 200317356 |
| Last Transfer Date | Dec 22, 2020 |
| Transfer Doc | 0000016607 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 812 S 3RD ST, ST CHARLES, IL 60174-4002 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000002344 |
|---|---|
| Date | Jan 12, 2022 |
| Instrument | 2022K002344 |
| Name | MIDWEST COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | FREEPORT, IL 61032 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.62% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Mar 3, 2021 |
| Property Address | 812 S 3RD ST, ST CHARLES, IL 60174-4002 |
| Document Number | 0000016607 |
| Instrument Date | Dec 22, 2020 |
| Instrument | 2021K016607 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 40W558 MAIN ST, BATAVIA, IL 60510-9736 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Feb 4, 2020 |
| Property Address | 812 S 3RD ST, ST CHARLES, IL 60174-4002 |
| Document Number | 0000006438 |
| Instrument Date | Jan 23, 2020 |
| Instrument | 6438 |
| Transaction Type | Transfer |
| Record Updated | Feb 25, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 40W558 MAIN ST BATAVIA IL 605109736, BATAVIA, IL 60510-9736 |
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 | $8,100.00 (+9.73%) | $115,493 (+8.53%) Land $35,162 Building $80,331 | $346,618 (+8.53%) Land $105,528 Building $241,089 |
| 2024 | $106,415 (+16.38%) Land $32,398 Building $74,017 | $319,373 (+16.43%) Land $97,233 Building $222,140 | |
| 2022 | $7,382.00 (+3.85%) | $91,436 (+4.91%) Land $28,406 Building $63,030 | $274,308 (+4.91%) Land $85,218 Building $189,090 |
| 2021 | $7,108.00 | $87,157 Land $27,077 Building $60,080 | $261,471 Land $81,231 Building $180,240 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 494 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 · Fixed Wireless in parts of the area | 100 / 20 |
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