120 Bluff St, Aurora, IL 60505 Property Records

Kane County property record for 120 Bluff St, Aurora, IL 60505

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,334 sqft · built 1900
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$127,000 (Jun 2015)
Tax Bill	$3,340 (2025)
Deeds & Mortgages	Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-28-280-016`

Property Details

APN / Parcel Number

Primary APN	`15-28-280-016`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,334 sqft Living Area
Gross Area	2,042 sqft
Basement Area	400 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch

Location & Zoning

Street Address	120 BLUFF ST
City	AURORA
State	IL
Zip	60505-4604
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CLARK SEMINARY ADD LOT 8 BLK 10
Legal Subdivision	CLARK SEMINARY ADD
Legal Block	10
Legal Lot Number	8
Jurisdiction	KANE IL
Township / Civil Division	AURORA
Census Block Group	2
Census Block	2004
Census Tract	854100

Owner

Source: Kane County records · APN 15-28-280-016

Assessment roll updated August 25, 2025 · Last verified July 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 File
Mailing Address	120 BLUFF ST, AURORA, IL 60505-4604
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 23, 2015 · Amount on Record
Deed Sale	Jun 23, 2015 · Amount on Record
Prior Sale	Jan 06, 2014 · Amount on Record
Deed Document Number	201532583
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	120 BLUFF ST, AURORA, IL 60505-4604
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000059148
Date	Oct 07, 2020
Instrument	2020K059148

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	296 Months
Due	Jun 01, 2045

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,340.00 (+15.45%) Homeowner's exemption
2024		$54,076 (+22.66%) Land $9,279 Building $44,797	$162,293 (+22.71%) Land $27,848 Building $134,445
2022	$2,893.00 (+2.26%) Homeowner's exemption	$44,085 (+7.41%) Land $7,565 Building $36,520	$132,255 (+7.41%) Land $22,695 Building $109,560
2021	$2,829.00 Homeowner's exemption	$41,044 Land $7,043 Building $34,001	$123,132 Land $21,129 Building $102,003

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 8, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Benton Ridge Telephone Company, Metronet Holdings, Verizon.

Based on FCC filings for 245 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	AURORA serves 183,000 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.