3087 Charter Dr, Aurora, IL 60503 Property Records

Will County property record for 3087 Charter Dr, Aurora, IL 60503

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,710 sqft · built 1997
Lot Size	0.15 acres (6,671 sqft)
Owner	Individual Name on File
Last Sale	$172,000 (Mar 1999)
Tax Bill	$10,128 (2025)
Deeds & Mortgages	Oct 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-01-05-103-005`

Property Details

APN / Parcel Number

Primary APN	`07-01-05-103-005`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,710 sqft Total Area
1st Floor Area	1,310 sqft
2nd Floor Area	400 sqft
Basement Area	1,310 sqft
Unfinished Basement	1,310 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Construction Type	Frame
Lot Area	6,671 sqft (0.15 acres)
Garage Area	390 sqft

Location & Zoning

Street Address	3087 CHARTER DR
City	AURORA
State	IL
Zip	60503-5702
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 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	3
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 · APN 07-01-05-103-005

Assessment roll updated June 30, 2026 · Last verified July 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 File
Mailing Address	3087 CHARTER DR, AURORA, IL 60503-5702
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 04, 1999 · Amount on Record
Deed Sale	Mar 04, 1999 · Amount on Record
Deed Document Number	199929525
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	3087 CHARTER DR, AURORA, IL 60503-5702
Transaction Type	Mortgage
Record Updated	Nov 03, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000058875
Date	Oct 21, 2025
Instrument	R2025058875

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank
Address	BLOOMINGTON, IL 61704

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 01, 2032
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	8.25%
Index	1-Year CMT
Margin	5
Max Rate	12.2%

Tax Assessment & Valuation

Source: Will County records · Assessment roll updated June 30, 2026 · Last verified July 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,128.00 (+134.82%)
2024		$110,399 (+28.3%) Land $23,259 Building $87,140	$331,197 (+28.3%) Land $69,777 Building $261,420
2022	$4,313.00 Homeowner's exemption Senior Citizen's exemption	$86,050 Land $19,437 Building $66,613	$258,150 Land $58,311 Building $199,839

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 11, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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
Benton Ridge Telephone Company Fixed Wireless	400 / 40
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

Based on FCC filings for 358 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	AURORA serves 183,000 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.