820 State St, Saint Charles, IL 60174 Property Records

Kane County property record for 820 State St, Saint Charles, IL 60174

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,340 sqft · built 1900
Lot Size	0.79 acres (3,424 sqft)
Owner	2 Individual Names on File
Last Sale	$126,000 (Jan 2015)
Tax Bill	$8,012 (2025)
Deeds & Mortgages	Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-28-478-003`

Property Details

APN / Parcel Number

Primary APN	`09-28-478-003`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,340 sqft Living Area
Basement Area	1,170 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1969
Architectural Style	Victorian
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,424 sqft (0.79 acres)
Garage Type	Detached
Garage Area	630 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	820 STATE ST
City	SAINT CHARLES
State	IL
Zip	60174-1753
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 19 IN BLK 3 OF MILLINGTON 3RD ADD
Legal Subdivision	MILLINGTON 3RD ADD
Legal Block	3
Legal Lot Number	19
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	1
Census Block	1000
Census Tract	852203

Owner

820 State St is owned and occupied by two individuals who bought it in January 2015.

Source: Kane County records, as of July 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	820 STATE ST, SAINT CHARLES, IL 60174-1753
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 16, 2015 · Amount on File
Deed Sale	Jan 16, 2015 · Amount on File
Prior Sale	Mar 27, 2014
Deed Document Number	20152774
Prior Transfer Date	May 17, 1996
Prior Transfer Doc	0000039052
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	820 STATE ST, ST CHARLES, IL 60174-1753
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACQUEST TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000047801
Date	Oct 9, 2019
Instrument	2019K047801

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

Interest

Rate Type	Fixed Rate
Rate	3.87%

Tax Assessment & Valuation

The 2025 property tax bill for 820 State St was $8,012 with a homeowner's exemption.

Source: Kane County assessment roll, as of July 23, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,012.00 Homeowner's exemption	$122,239 (+8.53%) Land $28,292 Building $93,947	$366,864 (+8.53%) Land $84,910 Building $281,954
2024		$112,631 Land $26,068 Building $86,563	$338,028 Land $78,235 Building $259,793
2022	$7,254.00 (+4.21%) Homeowner's exemption	$95,844 (+4.91%) Land $25,308 Building $70,536	$287,532 (+4.91%) Land $75,924 Building $211,608
2021	$6,961.00 Homeowner's exemption	$91,359 Land $24,124 Building $67,235	$274,077 Land $72,372 Building $201,705

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 820 State St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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.

Wildfire

Wildfire risk around 820 State St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 298 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 Fixed Wireless · DSL · Fiber in parts of the area	100 / 20