406 S Smith St, Aurora, IL 60505 Property Records

Kane County property record for 406 S Smith St, Aurora, IL 60505

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 682 sqft · built 1926
Lot Size	0.154 acres (6,720 sqft)
Owner	Individual Name on Record
Last Sale	$195,000 (May 2026)
Tax Bill	$2,794 (2025)
Deeds & Mortgages	Apr 2023 Mortgage May 2026 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`15-26-179-002`

Property Details

APN / Parcel Number

Primary APN	`15-26-179-002`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	682 sqft Living Area
Gross Area	979 sqft
1st Floor Area	682 sqft
Basement Area	297 sqft

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Construction Type	Frame
Lot Area	6,720 sqft (0.154 acres)
Lot Dimensions	112 ft deep x 60 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Water Source	Commercial

Location & Zoning

Street Address	406 S SMITH ST
City	AURORA
State	IL
Zip	60505-4927
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PONDS, F.L., SUB. - SLY 20 FT LOT 9 & ALL LOT 10 BLK 6
Legal Subdivision	PONDS F L SUB
Legal Block	6
Legal Lot Number	9,10
Jurisdiction	KANE IL
Township / Civil Division	AURORA
Census Block Group	1
Census Block	1004
Census Tract	854301

Owner

Source: Kane County records, as of September 2, 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	450 E MAIN ST, PLANO, IL 60545-1619
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2023	Deed of Trust, Mortgage KIAVI FUNDING INC
May 15, 2026	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF OMAHA
Feb 26, 2025	Intrafamily Transfer, Transfer · Commercial Mortgage OAKTREE FUNDING CORP
Jun 17, 2022	Warranty Deed, Transfer · Commercial Mortgage FINANCE OF AMERICA MORTGAGE LLC
Jan 12, 2022	Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATL TITLE
Aug 31, 2022	Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 15, 2026 · Amount on Record
Deed Sale	May 15, 2026 · Amount on Record
Prior Sale	Jun 17, 2022 · Amount on Record
Deed Document Number	202620092
Prior Transfer Date	Aug 27, 2004
Prior Transfer Doc	0000116239
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	406 S SMITH ST, AURORA, IL 60505-4927
Transaction Type	Mortgage
Record Updated	May 26, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000011980
Date	Apr 17, 2023
Instrument	2023K011980

Lender

Name	KIAVI FUNDING INC
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Amount	Amount Recorded

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 15, 2026
Property Address	406 S SMITH ST, AURORA, IL 60505-4927
Document Number	0000020092
Instrument Date	Apr 27, 2026
Instrument	2026.20092
Transaction Type	Transfer
Record Updated	May 27, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$59,085.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000020093,
Date	May 15, 2026
Instrument	2026.20093

Lender

Name	FIRST NATIONAL BANK OF OMAHA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

February 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Feb 26, 2025
Property Address	406 S SMITH ST, AURORA, IL 60505-4927
Document Number	0000006948
Instrument Date	Jan 15, 2025
Instrument	2025K006948
Transaction Type	Transfer
Record Updated	Jul 14, 2025
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	406 S SMITH ST, AURORA, IL 60505-4927

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1569 WHITE EAGLE DR, NAPERVILLE, IL 60564-9301

Mortgage

Document Number	0000006949
Date	Feb 26, 2025
Instrument	2025K006949

Lender

Name	OAKTREE FUNDING CORP
Type	Subprime Lender
Address	CHANDLER, AZ 85226

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 17, 2022
Property Address	406 S SMITH ST, AURORA, IL 60505-4927
Document Number	0000031694
Instrument Date	May 24, 2022
Instrument	2022K031694
Transaction Type	Transfer
Record Updated	Jun 24, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$122.50
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13700 S JONESPORT CIR, 13700, PLAINFIELD, IL 60544-7003

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	427 SOUTH AVE, AURORA, IL 60505-4721
Investor	Possibly a Property Investor

Mortgage

Document Number	0000031695
Date	Jun 17, 2022
Instrument	2022K031695

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	19 Months
Due	Jan 1, 2024

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Jan 12, 2022
Property Address	406 S SMITH ST, AURORA, IL 60505-4927
Document Number	0000002167
Instrument Date	Dec 15, 2021
Instrument	2022K002167
Transaction Type	Transfer
Record Updated	Jan 19, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13700 S JONESPORT CIR, 13700, PLAINFIELD, IL 60544-7003

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13700 S JONESPORT CIR, PLAINFIELD, IL 60544-7003

August 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Aug 31, 2022
Property Address	406 S SMITH ST, AURORA, IL 60505-4927
Document Number	0000043846
Instrument Date	Dec 15, 2021
Instrument	2022K043846
Transaction Type	Transfer
Record Updated	Sep 7, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13700 S JONESPON CIRCLE, PLAINFIELD, IL 60544

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	$2,794.00 (+4.21%)	$42,791 (+9.39%) Land $8,410 Building $34,381	$128,424 (+9.39%) Land $25,240 Building $103,184
2024	$2,681.00 (+10.69%)	$39,118 (+22.67%) Land $7,688 Building $31,430	$117,401 (+22.71%) Land $23,073 Building $94,328
2022	$2,422.00 (+1.09%)	$31,890 (+7.41%) Land $6,267 Building $25,623	$95,670 (+7.41%) Land $18,801 Building $76,869
2021	$2,396.00	$29,690 Land $5,835 Building $23,855	$89,070 Land $17,505 Building $71,565

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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