Kane County property record for 186 N Smith St, Aurora, IL 60505
| Property Type | Single Family Home |
|---|---|
| Details | 1,949 sqft · built 1900 |
| Lot Size | 0.212 acres (9,231 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $115,000 (Dec 2003) |
| Tax Bill | $5,652 (2025) |
| Deeds & Mortgages | Mar 2018 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-23-330-019 |
| Primary APN | 15-23-330-019 |
|---|
| Building Area | 1,949 sqft Living Area |
|---|
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Lot Area | 9,231 sqft (0.212 acres) |
| Lot Dimensions | 189 ft deep x 48.8 ft wide |
| Street Address | 186 N SMITH ST |
|---|---|
| City | AURORA |
| State | IL |
| Zip | 60505-3747 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOCKWOODS SUBDN BLK 14 STEPHENSONS ADDN LOT 17 BLK 14 LOT DIMENSIONS: 48.84 X 189 APPROX LOT SQ FT 9231 SUBDIVISION: SEC 23 & PT SEC 22 RANGE CODE: 002 |
| Legal Subdivision | LOCKWOODS SUB |
| Legal Block | 14 |
| Legal Lot Number | 17 |
| Jurisdiction | KANE IL |
| Township / Civil Division | AURORA |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 853401 |
186 N Smith St is owned and occupied by two individuals who bought it in December 2003.
Source: Kane County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 186 N SMITH ST, AURORA, IL 60505-3747 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 5, 2003 · Amount on File |
| Deed Sale | Dec 5, 2003 · Amount on File |
| Deed Document Number | 2003208863 |
| Prior Transfer Date | Jul 3, 1997 |
| Prior Transfer Doc | 0000047480 |
| Record Updated | Oct 29, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 186 N SMITH ST, AURORA, IL 60505-3747 |
| Document Number | 0000039169 |
| Instrument Date | Mar 17, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2019 |
| Name | Verified Name |
|---|---|
| Address | 186 N SMITH ST AURORA IL 605053747, AURORA, IL 60505-3747 |
| Document Number | 0000039169 |
|---|---|
| Date | Aug 13, 2018 |
| Instrument | 39169 |
| Name | FEDERAL NAT'L MTG ASSN (FNMA) |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Aug 12, 2058 |
| Rate | 3% |
|---|
The 2025 property tax bill for 186 N Smith St was $5,652 with a homeowner's exemption.
Source: Kane County assessment roll, as of July 23, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,652.00 Homeowner's exemption | $94,548 (+9.39%) Land $7,896 Building $86,652 | $283,758 (+9.39%) Land $23,697 Building $260,060 |
| 2024 | $86,432 Land $7,218 Building $79,214 | $259,400 Land $21,663 Building $237,737 | |
| 2022 | $4,897.00 (+1.79%) Homeowner's exemption | $70,462 (+7.41%) Land $5,884 Building $64,578 | $211,386 (+7.41%) Land $17,652 Building $193,734 |
| 2021 | $4,811.00 Homeowner's exemption | $65,601 Land $5,478 Building $60,123 | $196,803 Land $16,434 Building $180,369 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 186 N Smith St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 8, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 186 N Smith 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 653 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: Verizon, Watch TV.
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