” St. Charles, IL USDA Loan”

St. Charles is a city in DuPage and Kane counties in the U.S. state of Illinois. It lies roughly 40 miles (64 km) west of Chicago on Illinois Route 64. Per the 2020 census, the population was 33,081. The official city slogan is “Pride of the Fox”, after the Fox River that runs through the center of town. St. Charles is part of a tri-city area along with Geneva and Batavia, all western suburbs of similar size and socioeconomic condition.

St. Charles was the location of the Native American community for the chief of the Pottawatomie that inhabited the area. A city park overlooking the river was dedicated to the Native Americans. After the Black Hawk War in 1832, the entire area of the Fox Valley was opened to American settlement. Evan Shelby and William Franklin staked the first claim in what is now St. Charles in 1833. They came back in 1834 with their families from Indiana, and were joined by over a dozen other families later that year. The township was initially known as Charleston, but this name was already taken by the downstate city of Charleston, Illinois, so the name of St. Charles (suggested by S. S. Jones, a lawyer) was adopted in 1839. St. Charles became incorporated as a city February 9, 1839, and reincorporated October 17, 1874 (under the 1870 Illinois Constitution).

Widespread claims of slavery-era Underground Railroad stations operating in St. Charles homes, complete with tunnels and false doorways, have not been historically substantiated. Even so, an active abolitionist group was operating in St. Charles around this time, called the Kane County Anti-Slavery Society. The Society was founded in 1842 and had about 180 members at its peak. The most plausible[why?] connection to the Underground Railroad in the town is the Wheeler House, built in St. Charles in 1837.

St. Charles was a very isolated place early on in its existence. The village was located three days away from Chicago, and the Fox River was not navigable for large boats. By the 1850s, St. Charles had begun construction of a plank road to Sycamore but turned down an offer by the Galena and Chicago Union Railroad to construct a line through the town, which was eventually built in nearby Elgin. Lack of regional connections in the early years kept the town relatively small. St. Charles was without a railroad until 1871 when a branch line from Geneva was constructed, and was without a direct connection to Chicago until the 1880s with the coming of the Chicago Great Western Railway.[citation needed]

Streetcar lines along the Fox River between Elgin and Aurora were built through the city in 1896, operated by the Aurora, Elgin and Fox River Electric company. A direct automobile route to Chicago, which eventually became Route 64 (Main Street), was constructed in 1920. Four Illinois state routes, including Routes 64, 38 (Lincoln Highway), 25 (5th Avenue), and 31 (2nd Street) now run through the city. Two major Kane County roads also cut through the city; Randall Road on the west side and Kirk Road on the east side.[citation needed]