312 Watson St, Aurora, IL 60505 Property Records

Kane County property record for 312 Watson St, Aurora, IL 60505

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,616 sqft · built 1900
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$165,000 (May 2021)
Tax Bill	$4,138 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage Jan 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-27-276-022`

Property Details

APN / Parcel Number

Primary APN	`15-27-276-022`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,616 sqft Living Area
Gross Area	3,234 sqft
Basement Area	1,050 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	140 ft deep x 62 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch

Location & Zoning

Street Address	312 WATSON ST
City	AURORA
State	IL
Zip	60505-4437
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HACKNEYS ADDN : LOT 6 EX SLY 4 FT BLK 6
Legal Subdivision	HACKNEYS ADDN
Legal Block	6
Legal Lot Number	6
Jurisdiction	KANE IL
Township / Civil Division	AURORA
Census Block Group	5
Census Block	5001
Census Tract	854301

Owner

Source: Kane County records, as of July 23, 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	312 WATSON ST, AURORA, IL 60505-4437
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2021	Warranty Deed, Transfer · Conventional Mortgage PNC BANK NA
Jan 18, 2018	Warranty Deed, Transfer · FHA Mortgage NEIGHBORHOOD LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 2021 · Amount on Record
Deed Sale	May 6, 2021 · Amount on Record
Prior Sale	Jan 18, 2018 · Amount on Record
Deed Document Number	202135629
Prior Transfer Date	Jun 7, 1995
Prior Transfer Doc	0000033422
Record Updated	Oct 29, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 6, 2021
Property Address	312 WATSON ST, AURORA, IL 60505-4437
Document Number	0000035629
Instrument Date	Mar 19, 2021
Instrument	2021K035629
Transaction Type	Transfer
Record Updated	May 17, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$165.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	312 WATSON ST, AURORA, IL 60505-4437

Mortgage

Document Number	0000035630
Date	May 6, 2021
Instrument	2021K035630

Lender

Name	PNC BANK NA
Type	Bank

Agreement

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

Interest

Rate	2.87%

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 18, 2018
Property Address	312 WATSON ST, AURORA, IL 60505-4437
Document Number	0000003010
Instrument Date	Dec 6, 2017
Instrument	3010
Transaction Type	Transfer
Record Updated	Feb 1, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$202.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24205 W HAZEICREST DR #4 PLAINFIELD IL 60585, 4, PLAINFIELD, IL 60585

Mortgage

Document Number	3011
Date	Jan 18, 2018
Instrument	3011

Lender

Name	NEIGHBORHOOD LOANS
Type	Funding / Finance Company
Address	LOMBARD, IL 60148

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 17, 2048

Interest

Rate Type	Fixed Rate
Rate	4.5%

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	$4,138.00 (+16.24%) Homeowner's exemption	$71,369 (+10.05%) Land $8,737 Building $62,632	$214,193 (+10.05%) Land $26,221 Building $187,971
2024		$64,849 (+22.66%) Land $7,987 Building $56,862	$194,625 (+22.71%) Land $23,971 Building $170,654
2022	$3,560.00 (+2.03%) Homeowner's exemption	$52,867 (+7.41%) Land $6,511 Building $46,356	$158,601 (+7.41%) Land $19,533 Building $139,068
2021	$3,489.00 Homeowner's exemption	$49,220 Land $6,062 Building $43,158	$147,660 Land $18,186 Building $129,474

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 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 720 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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