908 N 3rd Ave, Saint Charles, IL 60174 Property Records

Kane County property record for 908 N 3rd Ave, Saint Charles, IL 60174

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 4,216 sqft · built 2007
Lot Size	0.282 acres (12,294 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,107,000 (Dec 2007)
Tax Bill	$24,130 (2025)
Deeds & Mortgages	Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-27-178-014`

Property Details

APN / Parcel Number

Primary APN	`09-27-178-014`
Alternative APN	`0927178008`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,216 sqft Living Area
Basement Area	1,588 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	12,294 sqft (0.282 acres)
Garage Type	Attached
Garage Area	570 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	908 N 3RD AVE
City	SAINT CHARLES
State	IL
Zip	60174-1218
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 7, 8, & 9 IN BLK 2 OF CLARK & MEYERS ADDN AS DESC IN TAXPAYER REQ DATED 01/29/2007
Legal Subdivision	CLARK&MEYERS ADDN
Legal Block	2
Legal Lot Number	7,8
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	1
Census Block	1021
Census Tract	852005

Owner

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 Individual Names on Record
Mailing Address	908 N 3RD AVE, SAINT CHARLES, IL 60174-1218
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2007 · Amount on Record
Deed Sale	Dec 18, 2007 · Amount on Record
Prior Sale	Dec 4, 2006 · Amount on Record
Deed Document Number	2007123001
Prior Transfer Date	Nov 15, 2006
Prior Transfer Doc	0000131493
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	908 N 3RD AVE, ST CHARLES, IL 60174-1218
Document Number	0000036923
Instrument Date	Jul 9, 2020
Transaction Type	Mortgage
Record Updated	Aug 10, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	908 N 3RD AVE ST CHARLES IL 601741218, ST CHARLES, IL 60174-1218

Mortgage

Document Number	0000036923
Date	Jul 9, 2020
Instrument	36923

Lender

Name	FIRST ST BK/ST CHARLES
Type	Bank
Address	ST CHARLES, IL 60174

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 8, 2050

Interest

Rate	3.25%

Tax Assessment & Valuation

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	$24,130.00 (+11.55%) Homeowner's exemption Senior Citizen's exemption	$360,062 (+8.53%) Land $80,832 Building $279,230	$1,080,618 (+8.53%) Land $242,593 Building $838,025
2024		$331,763 (+18.95%) Land $74,479 Building $257,284	$995,687 (+18.99%) Land $223,526 Building $772,161
2022	$21,632.00 (+4.07%) Homeowner's exemption	$278,921 (+4.91%) Land $73,784 Building $205,137	$836,763 (+4.91%) Land $221,352 Building $615,411
2021	$20,786.00 Homeowner's exemption	$265,867 Land $70,331 Building $195,536	$797,601 Land $210,993 Building $586,608

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.

Flood

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.

Wildfire

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.

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 147 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20