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

Kane County property record for 975 N 3rd Ave, Saint Charles, IL 60174

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,829 sqft · built 1956
Lot Size	0.571 acres (24,857 sqft)
Owner	2 Individual Names on File
Last Sale	$337,000 (Jun 2003)
Tax Bill	$10,347 (2025)
Deeds & Mortgages	Jun 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`09-27-177-007`

Property Details

APN / Parcel Number

Primary APN	`09-27-177-007`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,829 sqft Living Area
1st Floor Area	1,829 sqft
Basement Area	1,428 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1974
Architectural Style	Ranch
Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	24,857 sqft (0.571 acres)
Garage Type	Attached
Garage Area	637 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	975 N 3RD AVE
City	SAINT CHARLES
State	IL
Zip	60174-1217
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT D OF DELNOR PARK ADD TWO
Legal Subdivision	DELNOR PARK ADD
Legal Block	1
Legal Lot Number	D
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	1
Census Block	1017
Census Tract	852005

Owner

975 N 3rd Ave is owned and occupied by two individuals who bought it in June 2003.

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

Owner of Record	2 Individual Names on File
Mailing Address	975 N 3RD AVE, SAINT CHARLES, IL 60174-1217
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2003 · Amount on File
Deed Sale	Jun 26, 2003 · Amount on File
Prior Sale	Oct 15, 1998 · Amount on File
Deed Document Number	2003105631
Record Updated	Oct 29, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	975 N 3RD AVE, ST CHARLES, IL 60174-1217
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029545
Date	Jun 21, 2018
Instrument	2018K029545

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 18, 2048

Interest

Rate Type	Adjustable Rate
Rate	6.19%
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 975 N 3rd Ave was $10,347 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	$10,347.00 Homeowner's exemption	$155,543 (+8.53%) Land $44,458 Building $111,085	$466,816 (+8.53%) Land $133,427 Building $333,388
2024		$143,318 Land $40,964 Building $102,354	$430,126 Land $122,941 Building $307,185
2022	$10,455.00 (+4.09%) Homeowner's exemption	$135,499 (+4.91%) Land $40,581 Building $94,918	$406,497 (+4.91%) Land $121,743 Building $284,754
2021	$10,044.00 Homeowner's exemption	$129,158 Land $38,682 Building $90,476	$387,474 Land $116,046 Building $271,428

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

FEMA maps place 975 N 3rd Ave 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.

Wildfire

The area around 975 N 3rd Ave 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.

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