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545 Spruce St, Aurora, IL 60506 Property Records

Kane County property record for 545 Spruce St, Aurora, IL 60506

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,570 sqft · built 1900
Lot Size0.135 acres (5,874 sqft)
Owner2 Individual Names on File
Last Sale$160,000 (Nov 2017)
Tax Bill$4,875 (2025)
Deeds & MortgagesNov 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN15-21-208-019

Property Details

APN / Parcel Number

Primary APN15-21-208-019

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Stories2 Stories
Building Area1,570 sqft Living Area
Gross Area2,652 sqft
Basement Area842 sqft

Exterior

Year BuiltBuilt 1900
Effective Year BuiltEffective 1900
Construction TypeFrame
Lot Area5,874 sqft (0.135 acres)
Garage TypeAttached
Garage Area240 sqft
Parking Spaces1 Parking Space
PorchOpen Porch

Utilities, Heating & Cooling

Cooling SystemNone
Heating SystemHot Water
Water SourceCommercial

Location & Zoning

Street Address545 SPRUCE ST
CityAURORA
StateIL
Zip60506-3860
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHOYT BROS SUBDN LOT 17 BLK 2
Legal SubdivisionHOYT BROS SUB
Legal Block2
Legal Lot Number17
JurisdictionKANE IL
Township / Civil DivisionAURORA
Census Block Group3
Census Block3014
Census Tract853200

Owner

545 Spruce St is owned and occupied by two individuals who bought it in November 2017.

Source: Kane County records, as of July 23, 2026

Owner of Record2 Individual Names on File
Mailing Address545 SPRUCE ST, AURORA, IL 60506-3860
OccupancyOwner Occupied
Owner TypeIndividual
VestingCommunity Property

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 22, 2017 · Amount on File
Deed SaleNov 22, 2017 · Amount on File
Prior SaleNov 21, 2016 · Amount on File
Deed Document Number201761295
Record UpdatedOct 29, 2026

November 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKANE IL
Recording DateNov 22, 2017
Property Address545 SPRUCE ST, AURORA, IL 60506-3860
Document Number0000061295
Instrument DateNov 15, 2017
Instrument2017K061295
Transaction TypeTransfer
Record UpdatedAug 5, 2022
Title CompanyCHICAGO TITLE INS CO

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$160.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCommunity Property
Address545 SPRUCE ST, AURORA, IL 60506-3860

Mortgage

Document Number0000061296
DateNov 22, 2017
Instrument2017K061296
Lender
NameAMERICAN FINANCIAL NETWORK INC
TypeFunding / Finance Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueDec 1, 2047
Interest
Rate TypeFixed Rate
Rate4.87%

Tax Assessment & Valuation

The 2025 property tax bill for 545 Spruce St was $4,875 with a homeowner's exemption.

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

TypeName
StateIllinois
MunicipalityAurora City
CountyKane County
County SubdivisionAurora Township
Unified School DistrictAurora West Unit School District 129 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,875.00 Homeowner's exemption$73,635 (+9.39%) Land $10,709 Building $62,926$220,993 (+9.39%) Land $32,140 Building $188,854
2024$67,314 Land $9,790 Building $57,524$202,023 Land $29,382 Building $172,641
2022$4,326.00 (+5.03%) Homeowner's exemption$54,876 (+7.41%) Land $7,981 Building $46,895$164,628 (+7.41%) Land $23,943 Building $140,685
2021$4,119.00 Homeowner's exemption$51,090 Land $7,430 Building $43,660$153,270 Land $22,290 Building $130,980

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

FEMA maps place 545 Spruce St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 545 Spruce 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 RiskNot 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 SystemAURORA
serves 183,000 people · EPA ID IL0894070
Water SourceSurface water
Last State InspectionMar 2025
Lead26 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 425 locations within half a mile, as of December 31, 2025

ProviderMax 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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