2040 Stephen St, Aurora, IL 60502 Property Records

Kane County property record for 2040 Stephen St, Aurora, IL 60502

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,616 sqft · built 2004
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on Record
Last Sale	$225,000 (May 2016)
Tax Bill	$8,671 (2025)
Deeds & Mortgages	Nov 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-13-276-028`

Property Details

APN / Parcel Number

Primary APN	`15-13-276-028`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,616 sqft Living Area
Gross Area	3,438 sqft
Basement Area	682 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Construction Type	Frame
Lot Area	11,326 sqft (0.26 acres)
Garage Type	Attached
Garage Area	140 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	2040 STEPHEN ST
City	AURORA
State	IL
Zip	60502-7175
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FOX VALLEY EAST REGION II STONEBRIDGE UNIT 47B LOT 6 RANGE CODE: 001
Legal Subdivision	FOX VALLEY EAST REGION II STONEBRIDGE
Legal Block	1
Legal Lot Number	6
Legal Unit	47B
Jurisdiction	KANE IL
Township / Civil Division	AURORA
Census Block Group	1
Census Block	1026
Census Tract	852903

Owner

Source: Kane County records, as of July 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2040 STEPHEN ST, AURORA, IL 60502-7175
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2016 · Amount on Record
Deed Sale	May 12, 2016 · Amount on Record
Prior Sale	Jan 16, 2004 · Amount on Record
Deed Document Number	201622898
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	2040 STEPHEN ST, AURORA, IL 60502-7175
Transaction Type	Mortgage
Record Updated	Nov 5, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2040 STEPHEN ST, AURORA, IL 60502-7175

Mortgage

Document Number	0000082148
Date	Nov 1, 2021
Instrument	2021K082148

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	294 Months
Due	May 1, 2046

Tax Assessment & Valuation

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	$8,671.00 (+15.4%) Homeowner's exemption	$140,767 (+9.39%) Land $31,439 Building $109,328	$422,470 (+9.39%) Land $94,355 Building $328,115
2024		$128,683 (+22.66%) Land $28,740 Building $99,943	$386,203 (+22.71%) Land $86,255 Building $299,949
2022	$7,514.00 (+1.54%) Homeowner's exemption	$104,907 (+7.41%) Land $23,430 Building $81,477	$314,721 (+7.41%) Land $70,290 Building $244,431
2021	$7,400.00 Homeowner's exemption	$97,670 Land $21,814 Building $75,856	$293,010 Land $65,442 Building $227,568

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 October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	3 (1979–1985)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Nov 1985 · tidal / storm surge

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

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

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

May also be available: AT&T, Verizon.

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