Kane County property record for 820 Oak St, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,421 sqft · built 1956 |
| Lot Size | 0.222 acres (9,653 sqft) |
| Owner | Individual Name on File |
| Last Sale | $247,000 (Jun 2006) |
| Tax Bill | $6,657 (2025) |
| Deeds & Mortgages | Feb 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-33-228-017 |
| Primary APN | 09-33-228-017 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,421 sqft Living Area |
| 1st Floor Area | 1,421 sqft |
| Basement Area | 1,085 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1969 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,653 sqft (0.222 acres) |
| Garage Type | Attached |
| Garage Area | 384 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 820 OAK ST |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-2624 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MAP AREA: 021-SW 7TH-RNDL |
| Legal Subdivision | KIMONT ADDITION |
| Legal Block | 1 |
| Legal Lot Number | 14 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 852203 |
820 Oak St is owned and occupied by an individual who bought it in June 2006.
Source: Kane County records, as of July 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 820 OAK ST, SAINT CHARLES, IL 60174-2624 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 29, 2006 · Amount on File |
| Deed Sale | Jun 29, 2006 · Amount on File |
| Prior Sale | Mar 8, 2006 · Amount on File |
| Deed Document Number | 200669981 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 820 OAK ST, ST CHARLES, IL 60174-2624 |
| Transaction Type | Mortgage |
| Record Updated | Feb 28, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000005346 |
|---|---|
| Date | Feb 22, 2023 |
| Instrument | 2023K005346 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Feb 21, 2028 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 820 Oak St was $6,657 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 | $6,657.00 Homeowner's exemption | $102,925 (+8.53%) Land $30,312 Building $72,613 | $308,899 (+8.53%) Land $90,972 Building $217,926 |
| 2024 | $94,836 Land $27,930 Building $66,906 | $284,622 Land $83,824 Building $200,798 | |
| 2022 | $6,095.00 (+4.26%) Homeowner's exemption | $81,496 (+4.91%) Land $27,669 Building $53,827 | $244,488 (+4.91%) Land $83,007 Building $161,481 |
| 2021 | $5,846.00 Homeowner's exemption | $77,682 Land $26,374 Building $51,308 | $233,046 Land $79,122 Building $153,924 |
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 820 Oak St in Zone X, an area of minimal flood risk.
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 |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 1 in force |
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.
The area around 820 Oak 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 405 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 |
May also be available: AT&T.
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