1039 Stephen Ct, Aurora, IL 60502 Property Records

Kane County property record for 1039 Stephen Ct, Aurora, IL 60502

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,407 sqft · built 2004
Lot Size	0.23 acres (10,018 sqft)
Owner	2 Individual Names on Record
Last Sale	$292,000 (May 2004)
Tax Bill	$9,057 (2025)
Deeds & Mortgages	May 2026 Line of Credit Sep 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-13-427-012`

Property Details

APN / Parcel Number

Primary APN	`15-13-427-012`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,407 sqft Living Area
Gross Area	3,698 sqft
Basement Area	1,158 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Construction Type	Frame
Lot Area	10,018 sqft (0.23 acres)
Garage Type	Attached
Garage Area	133 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1039 STEPHEN CT
City	AURORA
State	IL
Zip	60502-7171
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FOX VALLEY EAST REGION II STONEBRIDGE UNIT 47B LOT 21 RANGE CODE: 001
Legal Subdivision	FOX VALLEY EAST REGION II STONEBRIDGE
Legal Block	1
Legal Lot Number	21
Legal Unit	47B
Jurisdiction	KANE IL
Township / Civil Division	AURORA
Census Block Group	1
Census Block	1030
Census Tract	852903

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	1039 STEPHEN CT, AURORA, IL 60502-7171
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 5, 2026	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK
Sep 29, 2023	Deed of Trust, Mortgage · Conventional Mortgage DISCOVER BANK
Jun 11, 2021	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2004 · Amount on Record
Deed Sale	May 14, 2004 · Amount on Record
Deed Document Number	200462182
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Recording Date	May 5, 2026
Property Address	1039 STEPHEN CT, AURORA, IL 60502-7171
Document Number	0000018234
Instrument Date	Apr 27, 2026
Instrument	202618234
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	1039 STEPHEN CT, AURORA, IL 60502-7171

Mortgage

Document Number	0000018234,
Date	May 5, 2026
Instrument	202618234

Lender

Name	BMO HARRIS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	7.42%
Max Rate	-1%

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1039 STEPHEN CT, AURORA, IL 60502-7171
Transaction Type	Mortgage
Record Updated	Oct 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1039 STEPHEN CT, AURORA, IL 60502-7171

Mortgage

Document Number	0000034042
Date	Sep 29, 2023
Instrument	2023K034042

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 21, 2053

Interest

Rate Type	Fixed Rate
Rate	6.24%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1039 STEPHEN CT, AURORA, IL 60502-7171
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000044837
Date	Jun 11, 2021
Instrument	2021K044837

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 9, 2051

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 East Unit School District 131 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,057.00 (+4.79%) Homeowner's exemption	$146,675 (+9.39%) Land $31,439 Building $115,236	$440,201 (+9.39%) Land $94,355 Building $345,846
2024	$8,643.00 (+10.12%)	$134,084 (+22.66%) Land $28,740 Building $105,344	$402,413 (+22.71%) Land $86,255 Building $316,158
2022	$7,849.00 (+1.53%) Homeowner's exemption	$109,310 (+7.41%) Land $23,430 Building $85,880	$327,930 (+7.41%) Land $70,290 Building $257,640
2021	$7,731.00 Homeowner's exemption	$101,769 Land $21,814 Building $79,955	$305,307 Land $65,442 Building $239,865

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	3 (1979–1985)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Nov 1985 · 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	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 206 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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