3045 Spinnaker Dr, Aurora, IL 60503 Property Records

Will County property record for 3045 Spinnaker Dr, Aurora, IL 60503

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,180 sqft · built 1998
Lot Size	0.16 acres (6,900 sqft)
Owner	Individual Name on Record
Last Sale	$238,000 (Dec 2014)
Tax Bill	$10,780 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-01-05-109-006`

Property Details

APN / Parcel Number

Primary APN	`07-01-05-109-006`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,180 sqft Total Area
1st Floor Area	1,196 sqft
2nd Floor Area	984 sqft
Basement Area	900 sqft
Unfinished Basement	900 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	6,900 sqft (0.16 acres)
Garage Type	Attached
Garage Area	434 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3045 SPINNAKER DR
City	AURORA
State	IL
Zip	60503-5744
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 86 IN HARBOR SPRINGS UNIT THREE PUD, A SUB OF PRT OF THE NW1/4 OF SEC 5, T37N-R9E.
Legal Range	09E
Legal Township	37N
Legal Section	05
Legal Subdivision	HARBOR SPRINGS
Legal Block	3
Legal Lot Number	86
Legal Unit	3
Jurisdiction	WILL IL
Township / Civil Division	WHEATLAND
Census Block Group	3
Census Block	3009
Census Tract	880324

Owner

Source: Will County records, as of August 24, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	3045 SPINNAKER DR, AURORA, IL 60503-5744
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage HLP MORTGAGE LLC
Apr 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage HLP MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 5, 2014 · Amount on Record
Deed Sale	Dec 5, 2014 · Amount on Record
Prior Sale	Nov 2, 2009 · Amount on Record
Deed Document Number	2014106294
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	3045 SPINNAKER DR, AURORA, IL 60503-5744
Transaction Type	Mortgage
Record Updated	Aug 9, 2021
Title Company	N TITLE COMPANY, SNP TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000082425
Date	Jul 28, 2021
Instrument	R2021082425

Lender

Name	HLP MORTGAGE LLC
Type	Mortgage Company
Address	LOMBARD, IL 60148

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	3045 SPINNAKER DR, AURORA, IL 60503-5744
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SNP TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031987
Date	Apr 29, 2020
Instrument	R2020031987

Lender

Name	HLP MORTGAGE LLC
Type	Mortgage Company
Address	LOMBARD, IL 60148

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.5%

Tax Assessment & Valuation

Source: Will County assessment roll, as of August 24, 2026

Property Jurisdictions

Type	Name
State	Illinois
Municipality	Aurora City
County	Will County
County Subdivision	Wheatland 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	$10,780.00 (+19%)	$137,191 (+9.95%) Land $25,573 Building $111,618	$411,573 (+9.95%) Land $76,719 Building $334,854
2024		$124,776 (+28.58%) Land $23,259 Building $101,517	$374,328 (+28.58%) Land $69,777 Building $304,551
2022	$9,059.00 Homeowner's exemption	$97,039 Land $19,437 Building $77,602	$291,117 Land $58,311 Building $232,806

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 June 11, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2023)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2023 · rainfall accumulation

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Watch TV Fixed Wireless	400 / 40
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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