3079 Charter Dr, Aurora, IL 60503 Property Records

Will County property record for 3079 Charter Dr, Aurora, IL 60503

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,619 sqft · built 1998
Lot Size	0.2 acres (8,840 sqft)
Owner	2 Individual Names on Record
Last Sale	$222,000 (Apr 2020)
Tax Bill	$8,401 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-01-05-103-004`

Property Details

APN / Parcel Number

Primary APN	`07-01-05-103-004`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,619 sqft Total Area
1st Floor Area	1,619 sqft
Basement Area	1,619 sqft
Unfinished Basement	1,619 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	8,840 sqft (0.2 acres)
Lot Dimensions	130 ft deep x 68 ft wide
Garage Type	Attached
Garage Area	396 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3079 CHARTER DR
City	AURORA
State	IL
Zip	60503-5702
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 IN HARBOR SPRINGS UNIT 1, PUD, BEING 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	1
Legal Lot Number	4
Legal Unit	1
Jurisdiction	WILL IL
Township / Civil Division	WHEATLAND
Census Block Group	3
Census Block	3005
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	2 Individual Names on Record
Mailing Address	3079 CHARTER DR, AURORA, IL 60503-5702
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2022	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Aug 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Apr 15, 2020	Warranty Deed, Transfer · Conventional with PMI GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2020 · Amount on Record
Deed Sale	Apr 15, 2020 · Amount on Record
Prior Sale	Sep 2, 2011 · Amount on Record
Deed Document Number	202028145
Prior Transfer Date	Mar 11, 2005
Prior Transfer Doc	0000054898
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	3079 CHARTER DR, AURORA, IL 60503-5702
Transaction Type	Mortgage
Record Updated	Dec 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000083708
Date	Nov 29, 2022
Instrument	R2022083708

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	3079 CHARTER DR, AURORA, IL 60503-5702
Transaction Type	Mortgage
Record Updated	Aug 13, 2021
Title Company	RAVENSWOOD TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000083638
Date	Aug 2, 2021
Instrument	R2021083638

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.12%

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WILL IL
Recording Date	Apr 15, 2020
Property Address	3079 CHARTER DR, AURORA, IL 60503-5702
Document Number	0000028145
Instrument Date	Feb 24, 2020
Instrument	28145
Transaction Type	Transfer
Record Updated	May 7, 2020
Title Company	NATIONAL TITLE SOLUTIONS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$333.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3079 CHARTER DR AURORA IL 605035702, AURORA, IL 60503-5702

Mortgage

Document Number	28146
Date	Apr 15, 2020
Instrument	28146

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 14, 2050

Interest

Rate Type	Fixed Rate

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	$8,401.00 (+19.45%)	$108,683 (+9.95%) Land $25,573 Building $83,110	$326,049 (+9.95%) Land $76,719 Building $249,330
2024		$98,848 (+28.92%) Land $23,259 Building $75,589	$296,544 (+28.92%) Land $69,777 Building $226,767
2022	$7,033.00 Homeowner's exemption	$76,675 Land $19,437 Building $57,238	$230,025 Land $58,311 Building $171,714

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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