1015 Charles St, Aurora, IL 60506 Property Records

Kane County property record for 1015 Charles St, Aurora, IL 60506

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 924 sqft · built 1927
Lot Size	0.172 acres (7,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$240,000 (Jan 2026)
Tax Bill	$4,271 (2025)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Sep 2025 Sale & Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15-20-228-011`

Property Details

APN / Parcel Number

Primary APN	`15-20-228-011`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	924 sqft Living Area
Gross Area	1,284 sqft
1st Floor Area	924 sqft

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Architectural Style	Ranch
Construction Type	Frame
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Water Source	Commercial

Location & Zoning

Street Address	1015 CHARLES ST
City	AURORA
State	IL
Zip	60506-3712
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WEST PARK ADD LOT 21 BLK 26
Legal Subdivision	WEST PARK ADD
Legal Block	26
Legal Lot Number	21
Jurisdiction	KANE IL
Township / Civil Division	AURORA
Census Block Group	1
Census Block	1018
Census Tract	853100

Owner

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 Record
Mailing Address	1015 CHARLES ST, AURORA, IL 60506-3712
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2026	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 26, 2025	Special Warranty Deed, Construction Loan · Construction Mortgage KIAVI FUNDING INC
Nov 19, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CORP
Oct 24, 2017	Warranty Deed, Transfer · FHA Mortgage FIRST CENTENNIAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 29, 2026 · Amount on Record
Deed Sale	Jan 29, 2026 · Amount on Record
Prior Sale	Sep 26, 2025
Deed Document Number	20263971
Record Updated	Oct 29, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 29, 2026
Property Address	1015 CHARLES ST, AURORA, IL 60506-3712
Document Number	0000003971
Instrument Date	Jan 15, 2026
Instrument	2026K003971
Transaction Type	Transfer
Record Updated	Feb 6, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$720.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1015 CHARLES ST, AURORA, IL 60506-3712

Mortgage

Document Number	0000003972
Date	Jan 29, 2026
Instrument	2026K003972

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.12%

September 2025: Special Warranty Deed, Construction Loan

Document Type	Special Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 26, 2025
Property Address	1015 CHARLES ST, AURORA, IL 60506-3712
Document Number	0000037328
Instrument Date	Aug 27, 2025
Instrument	2025K037328
Transaction Type	Construction Loan
Record Updated	Oct 16, 2025
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$166.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6555 EXCELLENCE WAY, PLANO, TX 75023-1202

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	64 WINGATE DR, OSWEGO, IL 60543-7912
Investor	Possibly a Property Investor

Mortgage

Document Number	0000037329
Date	Sep 26, 2025
Instrument	2025K037329

Lender

Name	KIAVI FUNDING INC
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Nov 19, 2021
Property Address	1015 CHARLES ST, AURORA, IL 60506-3712
Document Number	0000087147
Instrument Date	Jul 7, 2021
Instrument	2021K087147
Transaction Type	Transfer
Record Updated	Dec 2, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$171.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	326 W STATE ST, NORTH AURORA, IL 60542-1555

Mortgage

Document Number	0000087148
Date	Nov 19, 2021
Instrument	2021K087148

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Sep 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.12%

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 24, 2017
Property Address	1015 CHARLES ST, AURORA, IL 60506-3712
Document Number	0000055773
Instrument Date	Oct 2, 2017
Instrument	2017K055773
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$103.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1735 PLUM ST, AURORA, IL 60506-3459

Mortgage

Document Number	0000055774
Date	Oct 24, 2017
Instrument	2017K055774

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

Interest

Rate Type	Fixed Rate
Rate	4.12%

Mortgage

Document Number	0000055775
Date	Oct 24, 2017
Instrument	2017K055775

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company
Address	AURORA, IL 60506

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

Type	Name
State	Illinois
Municipality	Aurora City
County	Kane County
County Subdivision	Aurora Township
Unified School District	Aurora West Unit School District 129 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,271.00 (+3.97%) Homeowner's exemption	$65,508 (+9.39%) Land $10,114 Building $55,394	$196,603 (+9.39%) Land $30,354 Building $166,248
2024	$4,108.00 (+8.39%) Homeowner's exemption	$59,885 (+22.66%) Land $9,246 Building $50,639	$179,727 (+22.71%) Land $27,749 Building $151,978
2022	$3,790.00 (+5.16%) Homeowner's exemption	$48,820 (+7.41%) Land $7,537 Building $41,283	$146,460 (+7.41%) Land $22,611 Building $123,849
2021	$3,604.00 Homeowner's exemption	$45,452 Land $7,017 Building $38,435	$136,356 Land $21,051 Building $115,305

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
Nearby Flood Claims	1 (1983)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 1983 · tidal / storm surge

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	AURORA serves 183,000 people · EPA ID IL0894070
Water Source	Surface water
Last State Inspection	Mar 2025
Lead	26 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	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 498 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Metronet, T-Mobile, Verizon, Watch TV.

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