815 E Main St, Saint Charles, IL 60174 Property Records

Kane County property record for 815 E Main St, Saint Charles, IL 60174 · Last verified July 2026

Property Summary

Property Type	Commercial
Details	1,546 sqft · built 1925
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Company Names on File
Last Sale	$205,000 (Feb 2020)
Tax Bill	$7,011 (2025)
Deeds & Mortgages	Feb 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`09-27-478-009`

Property Details

APN / Parcel Number

Primary APN	`09-27-478-009`
Alternative APN	`0927478004`

Interior

Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,546 sqft Gross Area
Basement Area	665 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1992
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,148 sqft (0.21 acres)
Porch	Open Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	815 E MAIN ST
City	SAINT CHARLES
State	IL
Zip	60174-2232
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	MINARD, FERSON AND HUNTS ADDITION TO ST. CHARLES LTS 1 AND 2 IN BLK 7 (EX PT TAKEN FOR ROAD PER DOC 2011K004208)
Legal Subdivision	MINARD FERSON AND HUNTS ADDN
Legal Block	7
Legal Lot Number	1,2
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	1
Census Block	1022
Census Tract	852300

Owner

Source: Kane County records · APN 09-27-478-009

Assessment roll updated August 25, 2025 · Last verified July 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 File
Mailing Address	815 E MAIN ST, SAINT CHARLES, IL 60174-2232
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 26, 2020 · Amount on Record
Deed Sale	Feb 26, 2020 · Amount on Record
Deed Document Number	20209919
Prior Transfer Date	Jan 03, 2006
Prior Transfer Doc	0000000293
Record Updated	Sep 20, 2026

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Feb 26, 2020
Property Address	815 E MAIN ST, ST CHARLES, IL 60174-2232
Document Number	0000009919
Map Reference	MB 2 PG 519
Instrument Date	Jan 09, 2020
Instrument	2020K009919
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$205.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	815 E MAIN ST, SAINT CHARLES, IL 60174-2232

Mortgage

Document Number	0000009920
Date	Feb 26, 2020
Instrument	2020K009920

Lender

Name	ASSOCIATED BANK NA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Feb 21, 2027

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,011.00 (+3.99%)
2024		$92,110 (+10.31%) Land $51,097 Building $41,013	$276,441 (+10.35%) Land $153,352 Building $123,088
2022	$6,742.00 (+3.87%)	$83,502 (+4.91%) Land $45,559 Building $37,943	$250,506 (+4.91%) Land $136,677 Building $113,829
2021	$6,491.00	$79,594 Land $43,427 Building $36,167	$238,782 Land $130,281 Building $108,501

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Moderate
500-Year Floodplain	Yes
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.