251 N Smith St, Aurora, IL 60505 Property Records

Kane County property record for 251 N Smith St, Aurora, IL 60505

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,192 sqft · built 1900
Lot Size	0.248 acres (10,800 sqft)
Owner	Individual Name on File
Last Sale	$225,000 (Oct 2026)
Tax Bill	$3,039 (2025)
Deeds & Mortgages	Oct 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-23-327-006`

Property Details

APN / Parcel Number

Primary APN	`15-23-327-006`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,192 sqft Living Area
Gross Area	2,592 sqft
Basement Area	692 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	10,800 sqft (0.248 acres)
Lot Dimensions	180 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Location & Zoning

Street Address	251 N SMITH ST
City	AURORA
State	IL
Zip	60505-2845
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SHEDD & NOBLES SUB LOT 18 : WOODRUFFS ADDN LOT 14 LOT DIMENSIONS: 60 X 180 APPROX LOT SQ FT 10800 SUBDIVISION: SEC 23 & PT SEC 22 RANGE CODE: 001
Legal Subdivision	SHEDD&NOBLES SUB
Legal Block	2
Legal Lot Number	18,14
Jurisdiction	KANE IL
Township / Civil Division	AURORA
Census Block Group	2
Census Block	2000
Census Tract	853401

Owner

251 N Smith St is owned by an individual who bought it in October 2026.

Source: Kane County records, as of October 21, 2026

Owner of Record	Individual Name on File
Mailing Address	3510 GATEWOOD LN, AURORA, IL 60504-3132
Owner Type	Individual
Vesting	Single Man

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 14, 2026 · Amount on File
Deed Sale	Oct 14, 2026 · Amount on File
Deed Document Number	202644328
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 14, 2026
Property Address	251 N SMITH ST, AURORA, IL 60505-2845
Document Number	0000044328
Instrument Date	Apr 25, 2026
Instrument	202644328
Transaction Type	Transfer
Record Updated	Oct 20, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$68,175.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3510 GATEWOOD LN, AURORA, IL 60504-3132

Mortgage

Document Number	0000044329,
Date	Oct 14, 2026
Instrument	202644329

Lender

Name	NEIGHBORHOOD LOANS

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0000044330,
Date	Oct 14, 2026
Instrument	202644330

Lender

Name	ILLINOIS HOUSING DEV AUTHORITY

Agreement

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

Interest

Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 251 N Smith St was $3,039, up 673.3% 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	$3,039.00 (+673.28%) Homeowner's exemption Senior Citizen's exemption	$62,546 (+9.39%) Land $7,827 Building $54,719	$187,713 (+9.39%) Land $23,490 Building $164,223
2024	$393.00	$57,177 Land $7,155 Building $50,022	$171,600 Land $21,474 Building $150,126
2022	$815.00 (-5.89%) Homeowner's exemption	$45,714 (+7.41%) Land $5,833 Building $39,881	$137,142 (+7.41%) Land $17,499 Building $119,643
2021	$866.00 Homeowner's exemption	$42,561 Land $5,431 Building $37,130	$127,683 Land $16,293 Building $111,390

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 251 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 251 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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