438 N Commerce St, Aurora, IL 60504 Property Records

DuPage County property record for 438 N Commerce St, Aurora, IL 60504

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,864 sqft · built 2006
Lot Size	0.03 acres (1,307 sqft)
Owner	2 Company Names on Record
Last Sale	$235,000 (Aug 2017)
Tax Bill	$8,478 (2025)
Deeds & Mortgages	Sep 2025 Transfer Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-20-208-020`

Property Details

APN / Parcel Number

Primary APN	`07-20-208-020`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,864 sqft Living Area
1st Floor Area	800 sqft
2nd Floor Area	800 sqft
Basement Area	264 sqft
Finished Basement	264 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Townhouse
Construction Type	Frame
Lot Area	1,307 sqft (0.03 acres)
Lot Dimensions	6.2 ft deep x 2.4 ft wide
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	438 N COMMERCE ST
City	AURORA
State	IL
Zip	60504-6608
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	YORKSHIRE SQUARE UNIT 1 ASSMT PLAT OF LOT 16 ALL UNIT 16-89
Legal Subdivision	YORKSHIRE SQUARE UNIT 1 ASSMT PLAT
Legal Lot Number	16
Legal Unit	1,16
Jurisdiction	DU PAGE IL
Township / Civil Division	NAPERVILLE
Census Block Group	3
Census Block	3011
Census Tract	846509

Owner

Source: DuPage County records, as of August 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	2506 ADAMSWAY DR, AURORA, IL 60502-9072
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Sep 5, 2025	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Jan 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Aug 17, 2017	Warranty Deed, Transfer · Conventional Mortgage BMO HARRIS BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2017 · Amount on Record
Deed Sale	Aug 17, 2017 · Amount on Record
Prior Sale	Jun 1, 2006 · Amount on Record
Deed Document Number	201784613
Record Updated	Sep 20, 2026

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DU PAGE IL
Recording Date	Sep 5, 2025
Property Address	438 N COMMERCE ST, AURORA, IL 60504-6608
Document Number	0000055505
Instrument Date	May 16, 2025
Instrument	R2025-055505
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	2506 ADAMSWAY DR, AURORA, IL 60502-9072

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	438 N COMMERCE ST, AURORA, IL 60504-6608
Document Number	0000015779
Instrument Date	Jan 8, 2021
Transaction Type	Mortgage
Record Updated	Mar 1, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	438 N COMMERCE ST AURORA IL 605046608, AURORA, IL 60504-6608

Mortgage

Document Number	0000015779
Date	Jan 29, 2021
Instrument	15779

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 28, 2036

Interest

Rate	2.37%

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DU PAGE IL
Recording Date	Aug 17, 2017
Property Address	438 N COMMERCE ST, AURORA, IL 60504-6608
Document Number	0000084613
Map Reference	DOCR2006-017951
Instrument Date	Aug 11, 2017
Instrument	R2017-084613
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,057.50
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	438 N COMMERCE ST, AURORA, IL 60504-6608

Mortgage

Document Number	0000084614
Date	Aug 17, 2017
Instrument	R2017-084614

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

Interest

Rate	4.25%

Tax Assessment & Valuation

Source: DuPage County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Illinois
Municipality	Aurora City
County	DuPage County
County Subdivision	Naperville Township
Unified School District	Indian Prairie Community Unit School District 204 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,478.00 (+5.07%)	$116,389 (+9.67%) Land $25,253 Building $91,136	$349,167 (+9.67%) Land $75,759 Building $273,408
2024	$8,069.00 (+13.34%)	$106,126 (+25%) Land $23,026 Building $83,100	$318,378 (+25%) Land $69,078 Building $249,300
2022	$7,119.00	$84,900 Land $18,260 Building $66,640	$254,700 Land $54,780 Building $199,920

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 September 1, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force

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 111 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fiber · DSL in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	1,000 / 75
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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