194 N Smith St, Aurora, IL 60505 Property Records

Kane County property record for 194 N Smith St, Aurora, IL 60505

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,520 sqft · built 2012
Lot Size	0.23 acres (10,018 sqft)
Owner	Individual Name on File
Last Sale	$320,000 (Dec 2025)
Tax Bill	$7,184 (2025)
Deeds & Mortgages	Dec 2025 Sale Jul 2021 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`15-23-330-016`

Property Details

APN / Parcel Number

Primary APN	`15-23-330-016`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,520 sqft Living Area
Gross Area	2,720 sqft
Basement Area	760 sqft

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	10,018 sqft (0.23 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	194 N SMITH ST
City	AURORA
State	IL
Zip	60505-3747
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOCKWOODS SUB LOT 20 BLK 14
Legal Subdivision	LOCKWOODS SUB
Legal Block	14
Legal Lot Number	20
Jurisdiction	KANE IL
Township / Civil Division	AURORA
Census Block Group	2
Census Block	2003
Census Tract	853401

Owner

194 N Smith St is owned and occupied by an individual who bought it in December 2025.

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	Individual Name on File
Mailing Address	194 N SMITH ST, AURORA, IL 60505-3747
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2025	Warranty Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO
Jul 1, 2021	Warranty Deed, Transfer · Conventional Mortgage WINTRUST MORTGAGE
Apr 21, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage BMO HARRIS BANK NA
May 2, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Aug 16, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Aug 16, 2017	Loan Modification, Mortgage · Conventional Mortgage FIFTH THIRD MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 3, 2025 · Amount on File
Deed Sale	Dec 3, 2025 · Amount on File
Prior Sale	Jul 1, 2021 · Amount on File
Deed Document Number	202548052
Prior Transfer Date	Mar 5, 2020
Prior Transfer Doc	0000019802
Record Updated	Oct 29, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Dec 3, 2025
Property Address	194 N SMITH ST, AURORA, IL 60505-3747
Document Number	0000048052
Instrument Date	Oct 8, 2025
Instrument	2025K048052
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Tax	$320.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	194 N SMITH ST, AURORA, IL 60505-3747

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 1, 2021
Property Address	194 N SMITH ST, AURORA, IL 60505-3747
Document Number	0000050540
Instrument Date	Mar 11, 2021
Instrument	2021K050540
Transaction Type	Transfer
Record Updated	Jul 16, 2021
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$215.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	194 N SMITH ST, AURORA, IL 60505-3747

Mortgage

Document Number	0000050541
Date	Jul 1, 2021
Instrument	2021K050541

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	357 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.62%

April 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Apr 21, 2020
Property Address	194 N SMITH ST, AURORA, IL 60505-3747
Document Number	0000019802
Instrument Date	Mar 5, 2020
Instrument	2020K019802
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	ATTORNEYS TTL GUARANTY FUND

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	194 N SMITH ST, AURORA, IL 60505-3747

Mortgage

Document Number	0000019803
Date	Apr 21, 2020
Instrument	2020K019803

Lender

Name	BMO HARRIS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2050

Interest

Rate	5.25%

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	May 2, 2019
Property Address	194 N SMITH ST, AURORA, IL 60505-3747
Document Number	0000017266
Instrument Date	Apr 11, 2019
Instrument	17266
Transaction Type	Transfer
Record Updated	May 10, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	194 N SMITH ST AURORA IL 605053747, AURORA, IL 60505-3747

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	194 N SMITH ST, AURORA, IL 60505-3747
Document Number	0000050062
Instrument Date	Aug 16, 2017
Transaction Type	Mortgage
Record Updated	Oct 19, 2017
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	194 N SMITH ST AURORA IL 605053747, AURORA, IL 60505-3747

Mortgage

Document Number	0000050062
Date	Sep 22, 2017
Instrument	50062

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 21, 2047

August 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KANE IL
Property Address	194 N SMITH ST, AURORA, IL 60505-3747
Document Number	0000050063
Instrument Date	Aug 16, 2017
Transaction Type	Mortgage
Record Updated	Jan 10, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	194 N SMITH ST AURORA IL 605053747, AURORA, IL 60505-3747
Investor	Possibly a Property Investor

Mortgage

Document Number	0000050063
Date	Sep 22, 2017
Instrument	50063

Lender

Name	FIFTH THIRD MTG
Type	Mortgage Company
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 21, 2047

Interest

Rate Type	Fixed Rate
Rate	4.5%

Tax Assessment & Valuation

The 2025 property tax bill for 194 N Smith St was $7,184, up 4.2% from the year before.

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	$7,184.00 (+4.22%)	$110,009 (+9.39%) Land $7,896 Building $102,113	$330,159 (+9.39%) Land $23,697 Building $306,462
2024	$6,893.00	$100,566 Land $7,218 Building $93,348	$301,819 Land $21,663 Building $280,156
2022	$6,229.00 (+23.59%)	$81,984 (+11.64%) Land $5,884 Building $76,100	$245,952 (+11.64%) Land $17,652 Building $228,300
2021	$5,040.00 Homeowner's exemption	$73,436 Land $5,478 Building $67,958	$220,308 Land $16,434 Building $203,874

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

FEMA maps place 194 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.

Wildfire

The area around 194 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.

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 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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