Kane County property record for 905 S 3rd St, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,343 sqft · built 1900 |
| Lot Size | 0.163 acres (7,100 sqft) |
| Owner | Individual Name on File |
| Last Sale | $265,000 (Jun 2015) |
| Tax Bill | $8,586 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Sep 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-34-326-010 |
| Primary APN | 09-34-326-010 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,343 sqft Living Area |
| Basement Area | 625 sqft |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1979 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 7,100 sqft (0.163 acres) |
| Garage Type | Detached |
| Garage Area | 270 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
| Deck Area | Deck Area |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 905 S 3RD ST |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-4003 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WILLIAM H WILCOX ADD - LOT 2 IN BLK 5 |
| Legal Subdivision | WILLIAM H WILCOX ADD |
| Legal Block | 5 |
| Legal Lot Number | 2 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 4 |
| Census Block | 4029 |
| Census Tract | 852201 |
905 S 3rd St is owned and occupied by an individual who acquired it in April 2024.
Source: Kane County records, as of July 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 905 S 3RD ST, SAINT CHARLES, IL 60174-4003 |
| 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.
| Date | Document |
|---|---|
| May 5, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC |
| Sep 7, 2017 | Deed of Trust, Mortgage · Commercial Mortgage MIDLAND STATES BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 15, 2015 · Amount on File |
| Deed Sale | Jun 15, 2015 · Amount on File |
| Prior Sale | Aug 7, 2009 · Amount on File |
| Deed Document Number | 201530900 |
| Last Transfer Date | Apr 13, 2024 |
| Transfer Doc | 0000022913 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 905 S 3RD ST, ST CHARLES, IL 60174-4003 |
| Transaction Type | Mortgage |
| Record Updated | May 17, 2021 |
| Title Company | NOT AVAILABLE, RAVENSWOOD TITLE COMPANY LLC |
| Name | Verified Name |
|---|
| Document Number | 0000035272 |
|---|---|
| Date | May 5, 2021 |
| Instrument | 2021K035272 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 905 S 3RD ST, ST CHARLES, IL 60174-4003 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000046773 |
|---|---|
| Date | Sep 7, 2017 |
| Instrument | 2017K046773 |
| Name | MIDLAND STATES BANK |
|---|---|
| Type | Bank |
| Address | YORKVILLE, IL 60560 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Sep 1, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 905 S 3rd St was $8,586.
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 | $8,586.00 | $130,430 (+8.53%) Land $35,162 Building $95,268 | $391,447 (+8.53%) Land $105,528 Building $285,918 |
| 2024 | $120,178 Land $32,398 Building $87,780 | $360,678 Land $97,233 Building $263,445 | |
| 2022 | $7,845.00 (+12.22%) Homeowner's exemption | $103,170 (+4.91%) Land $28,406 Building $74,764 | $309,510 (+4.91%) Land $85,218 Building $224,292 |
| 2021 | $6,991.00 Homeowner's exemption | $98,342 Land $27,077 Building $71,265 | $295,026 Land $81,231 Building $213,795 |
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 905 S 3rd 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 905 S 3rd 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 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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