1972 Royal Ln, Aurora, IL 60503 Property Records

Kendall County property record for 1972 Royal Ln, Aurora, IL 60503

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,164 sqft · built 1999
Lot Size	0.184 acres (8,004 sqft)
Owner	2 Individual Names on Record
Last Sale	$283,000 (Aug 2019)
Tax Bill	$10,265 (2024)
Deeds & Mortgages	Feb 2026 Line of Credit Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-01-278-011`

Property Details

APN / Parcel Number

Primary APN	`03-01-278-011`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,164 sqft Living Area
Gross Area	2,609 sqft
1st Floor Area	2,164 sqft
Basement Area	424 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	8,004 sqft (0.184 acres)
Garage Type	Attached
Garage Area	445 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1972 ROYAL LN
City	AURORA
State	IL
Zip	60503-7813
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 134 MISTY CREEK CITY OF AURORA
Legal Subdivision	MISTY CREEK
Legal Lot Number	134
Jurisdiction	KENDALL IL
Township / Civil Division	OSWEGO
Census Block Group	3
Census Block	3014
Census Tract	890104

Owner

Source: Kendall County records, as of May 27, 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	2 Individual Names on Record
Mailing Address	1972 ROYAL LN, AURORA, IL 60503-7813
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Feb 20, 2026	Deed of Trust, Mortgage · Line of Credit OLD SECOND NATIONAL BANK
Jan 21, 2021	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK
Aug 12, 2019	Warranty Deed, Transfer · VA Mortgage DRAPER & KRAMER MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2019 · Amount on Record
Deed Sale	Aug 12, 2019 · Amount on Record
Prior Sale	Jan 6, 2016 · Amount on Record
Deed Document Number	201911170
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENDALL IL
Property Address	1972 ROYAL LN, AURORA, IL 60503-7813
Transaction Type	Mortgage
Record Updated	Mar 6, 2026
Title Company	HEARTLAND TITLE COMPANY, WHEATLAND TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002406
Date	Feb 20, 2026
Instrument	202600002406

Lender

Name	OLD SECOND NATIONAL BANK
Type	Bank
Address	AURORA, IL 60506

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Mar 25, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENDALL IL
Property Address	1972 ROYAL LN, AURORA, IL 60503-7813
Transaction Type	Mortgage
Record Updated	Sep 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001795
Date	Jan 21, 2021
Instrument	202100001795

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60607

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.25%

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENDALL IL
Recording Date	Aug 12, 2019
Property Address	1972 ROYAL LN, AURORA, IL 60503-7813
Document Number	0000011170
Map Reference	DOC 9901833
Instrument Date	Jul 19, 2019
Instrument	201900011170
Transaction Type	Transfer
Record Updated	May 11, 2021
Title Company	NATIONAL TITLE SOLUTIONS INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$283.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1972 ROYAL LN, AURORA, IL 60503-7813

Mortgage

Document Number	0000011171
Date	Aug 12, 2019
Instrument	201900011171

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	420 Months
Due	Aug 1, 2054

Interest

Rate Type	Fixed Rate
Rate	3.99%

Tax Assessment & Valuation

Source: Kendall County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Illinois
Municipality	Aurora City
County	Kendall County
County Subdivision	Oswego Township
Unified School District	Oswego Community Unit School District 308 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$122,759 (+1%) Land $30,261 Building $92,498	$368,277 (+1%) Land $90,783 Building $277,494
2024	$10,265.00	$121,543 (+20.91%) Land $29,961 Building $91,582	$364,629 (+20.91%) Land $89,883 Building $274,746
2022		$100,523 Land $24,779 Building $75,744	$301,569 Land $74,337 Building $227,232

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

Source: FEMA National Flood Hazard Layer, effective September 18, 2025

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 79% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 396 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon, Watch TV.

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