Kane County property record for 540 Charles St, Aurora, IL 60506
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,220 sqft · built 1907 |
| Lot Size | 0.135 acres (5,874 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $5,326 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-21-208-008 |
| Primary APN | 15-21-208-008 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,220 sqft Living Area |
| Gross Area | 2,328 sqft |
| Basement Area | 700 sqft |
| Year Built | Built 1907 |
|---|---|
| Effective Year Built | Effective 1907 |
| Construction Type | Frame |
| Lot Area | 5,874 sqft (0.135 acres) |
| Garage Type | Attached |
| Garage Area | 300 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
| Street Address | 540 CHARLES ST |
|---|---|
| City | AURORA |
| State | IL |
| Zip | 60506-3806 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOYT BROS SUB: LOT 3 BLK 2 |
| Legal Subdivision | HOYT BROS SUB |
| Legal Block | 2 |
| Legal Lot Number | 3 |
| Jurisdiction | KANE IL |
| Township / Civil Division | AURORA |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 853200 |
540 Charles St is owned by an individual who acquired it in September 2024.
Source: Kane County records, as of August 4, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 560 CHARLES ST, AURORA, IL 60506-3806 |
| Owner Type | Individual |
| Vesting | Single Woman |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 30, 2024 |
| Deed Sale | Sep 30, 2024 |
| Deed Document Number | 202435263 |
| Prior Transfer Date | Aug 30, 2011 |
| Prior Transfer Doc | 0000051050 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jul 27, 2026 |
| Property Address | 540 CHARLES ST, AURORA, IL 60506-3806 |
| Document Number | 0000031902 |
| Instrument Date | Jul 21, 2026 |
| Instrument | 202631902 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2026 |
| Title Company | CARRINGTON TITLE PARTNERS LLC, CARRINGTON TITLE PARTNERS |
| Name | Verified Name |
|---|---|
| Address | 540 CHARLES ST, AURORA, IL 60506-3806 |
| Document Number | 0000031902, |
|---|---|
| Date | Jul 27, 2026 |
| Instrument | 202631902 |
| Name | NEIGHBORHOOD LOANS |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Aug 1, 2051 |
| Rate | 6.5% |
|---|---|
| Max Rate | -1% |
The 2025 property tax bill for 540 Charles St was $5,326.
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| Municipality | Aurora City |
| County | Kane County |
| County Subdivision | Aurora Township |
| Unified School District | Aurora West Unit School District 129 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,326.00 | $71,707 (+9.39%) Land $10,709 Building $60,998 | $215,207 (+9.39%) Land $32,140 Building $183,067 |
| 2024 | $65,552 Land $9,790 Building $55,762 | $196,735 Land $29,382 Building $167,353 | |
| 2022 | $4,730.00 (+4.07%) | $53,440 (+7.41%) Land $7,981 Building $45,459 | $160,320 (+7.41%) Land $23,943 Building $136,377 |
| 2021 | $4,545.00 | $49,753 Land $7,430 Building $42,323 | $149,259 Land $22,290 Building $126,969 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 540 Charles St in Zone X, an area of minimal flood risk.
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.
The area around 540 Charles St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 425 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 1,000 / 75 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
May also be available: Metronet, Watch TV.
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