1955 Charles Ln, Aurora, IL 60505 Property Records

Kane County property record for 1955 Charles Ln, Aurora, IL 60505

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,602 sqft · built 1982
Owner	2 Individual Names on File
Last Sale	$280,000 (Aug 2026)
Tax Bill	$3,915 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Feb 2023 Transfer + 4 more
Flood Zone	Zone AE (high risk)
APN	`15-12-103-059`

Property Details

APN / Parcel Number

Primary APN	`15-12-103-059`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,602 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Condo/Apartment
Construction Type	Frame

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1955 CHARLES LN
City	AURORA
State	IL
Zip	60505-1265
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE OAK CREEK WEST TOWNHOMES BLDG H LOT DIMENSIONS: CONDO SUBDIVISION: CHARLES LANE CONDOS RANGE CODE: 001
Legal Subdivision	CHARLES LANE CONDOS
Legal Block	2
Jurisdiction	KANE IL
Township / Civil Division	AURORA
Census Block Group	2
Census Block	2001
Census Tract	852903

Owner

1955 Charles Ln is owned and occupied by two individuals who bought it in August 2026.

Source: Kane County records, as of August 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1955 CHARLES LN, AURORA, IL 60505-1265
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2026	Warranty Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORPORATION
Feb 21, 2023	Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO
Apr 26, 2022	Special Warranty Deed, Transfer FIDELITY NATIONAL TITLE
Apr 9, 2021	Sheriff's Deed, Foreclosure ATTORNEY ONLY, ATTORNEY
Dec 26, 2006	Deed of Trust, Mortgage · Conventional Mortgage COUNTRYWIDE HM LNS
Dec 26, 2006	Deed of Trust, Mortgage · Conventional Mortgage COUNTRYWIDE HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2026 · Amount on File
Deed Sale	Aug 17, 2026 · Amount on File
Prior Sale	Apr 26, 2022 · Amount on File
Deed Document Number	202635317
Prior Transfer Date	Nov 30, 2022
Prior Transfer Doc	0000005290
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 17, 2026
Property Address	1955 CHARLES LN, AURORA, IL 60505-1265
Document Number	0000035317
Instrument Date	Jun 30, 2026
Instrument	202635317
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$84,840.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1955 CHARLES LN, AURORA, IL 60505-1265

Mortgage

Document Number	0000035318,
Date	Aug 17, 2026
Instrument	202635318

Lender

Name	AMERICAN PACIFIC MORTGAGE CORPORATION

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	7%
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0000035319,
Date	Aug 17, 2026
Instrument	202635319

Lender

Name	ILLINOIS HOUSING DEV AUTHORITY

Agreement

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

Interest

Max Rate	-1%

February 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Feb 21, 2023
Property Address	1955 CHARLES LN, AURORA, IL 60505-1265
Document Number	0000005290
Map Reference	DOC 1582215
Instrument Date	Nov 30, 2022
Instrument	2023K005290
Transaction Type	Transfer
Record Updated	Feb 28, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1955 CHARLES LN, AURORA, IL 60505-1265

April 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 26, 2022
Property Address	1955 CHARLES LN, AURORA, IL 60505-1265
Document Number	0000022527
Map Reference	DOC 1582215
Instrument Date	Apr 22, 2022
Instrument	2022K022527
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Tax	$131.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 650043, DALLAS, TX 75265-0043

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5530 W CONGRESS PKWY, CHICAGO, IL 60644-5011
Investor	Possibly a Property Investor

April 2021: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	KANE IL
Recording Date	Apr 9, 2021
Property Address	1955 CHARLES LN, AURORA, IL 60505-1265
Document Number	0000027762
Map Reference	DOC 1582215
Instrument Date	Mar 24, 2021
Instrument	2021K027762
Transaction Type	Foreclosure
Record Updated	Aug 5, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 650043, DALLAS, TX 75265-0043
Investor	Possibly a Property Investor

December 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1955 CHARLES LN, AURORA, IL 60505-1265
Document Number	0000044800
Instrument Date	Dec 26, 2006
Transaction Type	Mortgage
Record Updated	Sep 20, 2018
Title Company	TRISTAR TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1955 CHARLES LN AURORA IL 605051265, AURORA, IL 60505-1265

Mortgage

Document Number	0000044800
Date	Sep 12, 2018
Instrument	44800

Lender

Name	COUNTRYWIDE HM LNS
Type	Funding / Finance Company
Address	CALABASAS, CA 91902-1613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Sep 11, 2038

December 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1955 CHARLES LN, AURORA, IL 60505-1265
Document Number	0000049221
Instrument Date	Dec 26, 2006
Transaction Type	Mortgage
Record Updated	Jan 16, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1955 CHARLES LN AURORA IL 605051265, AURORA, IL 60505-1265

Mortgage

Document Number	0000049221
Date	Oct 9, 2018
Instrument	49221

Lender

Name	COUNTRYWIDE HM LNS
Type	Funding / Finance Company
Address	CALABASAS, CA 91302-1613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Oct 8, 2038

Tax Assessment & Valuation

The 2025 property tax bill for 1955 Charles Ln was $3,915.

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	$3,915.00	$59,953 (+9.39%) Land $3,998 Building $55,955	$179,931 (+9.39%) Land $11,999 Building $167,932
2024		$54,807 Land $3,655 Building $51,152	$164,487 Land $10,969 Building $153,517
2022	$3,394.00 (+1.07%)	$44,681 (+7.41%) Land $2,980 Building $41,701	$134,043 (+7.41%) Land $8,940 Building $125,103
2021	$3,358.00	$41,598 Land $2,774 Building $38,824	$124,794 Land $8,322 Building $116,472

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 1955 Charles Ln in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 20 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	163 units insured incl. 143 condo units
Nearby Flood Claims	83 (1981–2026)
Claims Outside the SFHA	29 of 83
Most Recent Claim	Jul 2026 · rainfall accumulation
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 6 claims Severe Storms And Flooding, Sep 2008 · 51 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

Wildfire risk around 1955 Charles Ln is low, with less than a 0.01% annual chance of 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 86 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Metronet.

Nearby Properties on Charles Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures