550 Spruce St, Aurora, IL 60506 Property Records

Kane County property record for 550 Spruce St, Aurora, IL 60506

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,780 sqft · built 1902
Lot Size	0.097 acres (4,223 sqft)
Owner	Individual Name on Record
Last Sale	$260,000 (Apr 2024)
Tax Bill	$6,208 (2025)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Jul 2023 Sale & Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-21-252-008`

Property Details

APN / Parcel Number

Primary APN	`15-21-252-008`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,780 sqft Living Area
Gross Area	2,994 sqft
Basement Area	890 sqft

Exterior

Year Built	Built 1902
Effective Year Built	Effective 1902
Construction Type	Frame
Lot Area	4,223 sqft (0.097 acres)
Garage Type	Attached
Garage Area	324 sqft
Parking Spaces	1 Parking Space
Porch	Slab

Location & Zoning

Street Address	550 SPRUCE ST
City	AURORA
State	IL
Zip	60506-3861
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOYTS EXTENDED ADDN : PT LOT 1 BLOCK 18 LOT DIMENSIONS: 42.23 X 100 - APPROX LOT SQ FT 4223 SUBDIVISION: SEC 21-GALENA & NORTH RANGE CODE: 002
Legal Subdivision	HOYTS EXTENDED ADDN
Legal Block	18
Legal Lot Number	1
Jurisdiction	KANE IL
Township / Civil Division	AURORA
Census Block Group	3
Census Block	3013
Census Tract	853200

Owner

Source: Kane County records, as of October 13, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	104 S 2ND ST, KIRKLAND, IL 60146
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2024	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Jul 25, 2023	Warranty Deed, Transfer · Stand-Alone Second Mortgage KIAVI FUNDING INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 12, 2024 · Amount on Record
Deed Sale	Apr 12, 2024 · Amount on Record
Prior Sale	Jul 25, 2023 · Amount on Record
Deed Document Number	202411980
Prior Transfer Date	Dec 21, 2007
Prior Transfer Doc	0000043770
Record Updated	Oct 29, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 12, 2024
Property Address	550 SPRUCE ST, AURORA, IL 60506-3861
Document Number	0000011980
Instrument Date	Apr 5, 2024
Instrument	2024K011980
Transaction Type	Transfer
Record Updated	Apr 19, 2024
Title Company	GREATER ILLINOIS TITLE COMPANY, GREATER ILLINOIS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$260.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	550 SPRUCE ST, AURORA, IL 60506-3861

Mortgage

Document Number	0000011981
Date	Apr 12, 2024
Instrument	2024K011981

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 25, 2023
Property Address	550 SPRUCE ST, AURORA, IL 60506-3861
Document Number	0000024959
Instrument Date	Jul 7, 2023
Instrument	2023K024959
Transaction Type	Transfer
Record Updated	Aug 8, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$160.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1242 WINDEMERE AVE, NAPERVILLE, IL 60564-8771

Mortgage

Document Number	0000024960
Date	Jul 25, 2023
Instrument	2023K024960

Lender

Name	KIAVI FUNDING INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

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 West Unit School District 129 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,208.00 (+16.12%)	$83,591 (+9.39%) Land $8,926 Building $74,665	$250,873 (+9.39%) Land $26,789 Building $224,085
2024		$76,416 (+26.52%) Land $8,160 Building $68,256	$229,340 (+26.57%) Land $24,490 Building $204,850
2022	$5,346.00 (+4.07%)	$60,400 (+7.41%) Land $6,652 Building $53,748	$181,200 (+7.41%) Land $19,956 Building $161,244
2021	$5,137.00	$56,233 Land $6,193 Building $50,040	$168,699 Land $18,579 Building $150,120

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 439 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
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Metronet, T-Mobile, Watch TV.

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