305 S State St, Aurora, IL 60505 Property Records

Kane County property record for 305 S State St, Aurora, IL 60505

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,496 sqft · built 1910
Lot Size	0.151 acres (6,554 sqft)
Owner	2 Individual Names on Record
Last Sale	$265,000 (Nov 2025)
Tax Bill	$3,573 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-26-151-010`

Property Details

APN / Parcel Number

Primary APN	`15-26-151-010`

Interior

Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,496 sqft Living Area
Gross Area	2,798 sqft
Basement Area	902 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Construction Type	Frame
Lot Area	6,554 sqft (0.151 acres)
Lot Dimensions	132 ft deep x 49.5 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Location & Zoning

Street Address	305 S STATE ST
City	AURORA
State	IL
Zip	60505-3657
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOWELL PLACE ADD S 49.50 FT N 99 FT LOTS 1 & 2 BLK 3
Legal Subdivision	HOWELL PLACE ADD
Legal Block	3
Legal Lot Number	1,2
Jurisdiction	KANE IL
Township / Civil Division	AURORA
Census Block Group	3
Census Block	3003
Census Tract	854301

Owner

Source: Kane County records, as of August 21, 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	305 S STATE ST, AURORA, IL 60505-3657
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2025 · Amount on Record
Deed Sale	Nov 12, 2025 · Amount on Record
Prior Sale	Jan 27, 2000 · Amount on Record
Deed Document Number	202544932
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Nov 12, 2025
Property Address	305 S STATE ST, AURORA, IL 60505-3657
Document Number	0000044932
Instrument Date	Oct 6, 2025
Instrument	2025K044932
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$265.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	305 S STATE ST, AURORA, IL 60505-3657

Mortgage

Document Number	0000044933
Date	Nov 12, 2025
Instrument	2025K044933

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2032
Change Frequency	Annually
Min Rate At Change	4.87%
Max Rate At Change	8.37%
Index	1-Year CMT
Max Rate	12.3%

Mortgage

Document Number	0000044934
Date	Nov 12, 2025
Instrument	2025K044934

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Nov 1, 2035

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	$3,573.00 (+5.65%) Homeowner's exemption	$62,720 (+9.39%) Land $5,950 Building $56,770	$188,235 (+9.39%) Land $17,857 Building $170,378
2024	$3,382.00 (+13.53%) Homeowner's exemption	$57,336 (+26.82%) Land $5,439 Building $51,897	$172,077 (+26.87%) Land $16,324 Building $155,753
2022	$2,979.00 (+2.27%) Homeowner's exemption	$45,210 (+7.41%) Land $4,434 Building $40,776	$135,630 (+7.41%) Land $13,302 Building $122,328
2021	$2,913.00 Homeowner's exemption	$42,091 Land $4,128 Building $37,963	$126,273 Land $12,384 Building $113,889

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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 771 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: Metronet, T-Mobile, Verizon, Watch TV.

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