122 Cross St, Aurora, IL 60506 Property Records

Kane County property record for 122 Cross St, Aurora, IL 60506

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 690 sqft · built 1900
Lot Size	0.69 acres (3,000 sqft)
Owner	Individual Name on File
Last Sale	$230,000 (Aug 2026)
Tax Bill	$1,893 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Nov 2023 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`15-21-476-004`

Property Details

APN / Parcel Number

Primary APN	`15-21-476-004`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	690 sqft Living Area
Gross Area	1,380 sqft
1st Floor Area	690 sqft
Basement Area	690 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	3,000 sqft (0.69 acres)

Location & Zoning

Street Address	122 CROSS ST
City	AURORA
State	IL
Zip	60506-5100
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HALLS ADDN : PT LOT 1 BLOCK 7
Legal Subdivision	HALLS ADDN
Legal Block	7
Legal Lot Number	1
Jurisdiction	KANE IL
Township / Civil Division	AURORA
Census Block Group	2
Census Block	2012
Census Tract	854700

Owner

122 Cross St is owned and occupied by an individual who bought it in August 2026.

Source: Kane County records, as of August 24, 2026

Owner of Record	Individual Name on File
Mailing Address	828 2ND AVE, AURORA, IL 60505-3708
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

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

Date	Document
Aug 13, 2026	Warranty Deed, Transfer · FHA Mortgage UNION CREDIT UNION
Nov 22, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Oct 10, 2023	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Mar 8, 2019	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 21, 2018	Quit Claim Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 13, 2026 · Amount on File
Deed Sale	Aug 13, 2026 · Amount on File
Prior Sale	Oct 10, 2023 · Amount on File
Deed Document Number	202634976
Prior Transfer Date	Nov 9, 2023
Prior Transfer Doc	0000041193
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 13, 2026
Property Address	122 CROSS ST, AURORA, IL 60506-5100
Document Number	0000034976
Instrument Date	Jul 27, 2026
Instrument	202634976
Transaction Type	Transfer
Record Updated	Aug 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$69,690.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	828 2ND AVE, AURORA, IL 60505-3708

Mortgage

Document Number	0000034977,
Date	Aug 13, 2026
Instrument	202634977

Lender

Name	UNION CREDIT UNION

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate	6.88%
Max Rate	-1%

Mortgage

Document Number	0000034978,
Date	Aug 13, 2026
Instrument	202634978

Lender

Name	UNION CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Nov 22, 2023
Property Address	122 CROSS ST, AURORA, IL 60506-5100
Document Number	0000041193
Instrument Date	Nov 9, 2023
Instrument	2023K041193
Transaction Type	Transfer
Record Updated	Dec 6, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	122 CROSS ST, AURORA, IL 60506-5100

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	122 CROSS ST, AURORA, IL 60506-5100

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 10, 2023
Property Address	122 CROSS ST, AURORA, IL 60506-5100
Document Number	0000035219
Instrument Date	Sep 20, 2023
Instrument	2023K035219
Transaction Type	Transfer
Record Updated	Oct 20, 2023
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$190.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	122 CROSS ST, AURORA, IL 60506-5100

Mortgage

Document Number	0000035220
Date	Oct 10, 2023
Instrument	2023K035220

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

Interest

Rate Type	Fixed Rate
Rate	7.5%

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Mar 8, 2019
Property Address	122 CROSS ST, AURORA, IL 60506-5100
Document Number	0000009248
Instrument Date	Feb 22, 2019
Instrument	2019K009248
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	FIDELITY NATIONAL TTL INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$107.50
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	8 S LINCONWAY #B # B, B, NORTH AURORA, IL 60542-1596

Mortgage

Document Number	0000009249
Date	Mar 8, 2019
Instrument	2019K009249

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2049

Interest

Rate	4.5%

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	May 21, 2018
Property Address	122 CROSS ST, AURORA, IL 60506-5100
Document Number	0000023443
Instrument Date	May 4, 2018
Instrument	23443
Transaction Type	Transfer
Record Updated	Jun 13, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2965 KENDRIDGE LN AURORA IL 605029051, AURORA, IL 60502-9051

Tax Assessment & Valuation

The 2025 property tax bill for 122 Cross St was $1,893 with a homeowner's exemption.

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	$1,893.00	$33,496 (+9.39%) Land $3,132 Building $30,364	$100,528 (+9.39%) Land $9,400 Building $91,128
2024		$30,621 Land $2,863 Building $27,758	$91,900 Land $8,592 Building $83,307
2022	$1,678.00 (+6.54%) Homeowner's exemption	$24,964 (+7.41%) Land $2,334 Building $22,630	$74,892 (+7.41%) Land $7,002 Building $67,890
2021	$1,575.00 Homeowner's exemption	$23,242 Land $2,173 Building $21,069	$69,726 Land $6,519 Building $63,207

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 122 Cross St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	13 (1980–2008)
Claims Outside the SFHA	7 of 13
Most Recent Claim	Sep 2008 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2008 · 4 claims

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 122 Cross St 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	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 302 locations within half a mile, as of December 31, 2025

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

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

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