631 Watson St, Aurora, IL 60505 Property Records

Kane County property record for 631 Watson St, Aurora, IL 60505

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 900 sqft · built 1917
Lot Size	0.109 acres (4,752 sqft)
Owner	Individual Name on File
Last Sale	$270,000 (Jun 2026)
Tax Bill	$4,259 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Apr 2026 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15-27-405-022`

Property Details

APN / Parcel Number

Primary APN	`15-27-405-022`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	900 sqft Living Area
Gross Area	2,248 sqft
1st Floor Area	900 sqft
Basement Area	900 sqft

Exterior

Year Built	Built 1917
Effective Year Built	Effective 1917
Architectural Style	Bungalow
Construction Type	Frame
Lot Area	4,752 sqft (0.109 acres)
Lot Dimensions	132 ft deep x 36 ft wide
Garage Type	Attached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch

Utilities, Heating & Cooling

Cooling System	Central
Water Source	Commercial

Location & Zoning

Street Address	631 WATSON ST
City	AURORA
State	IL
Zip	60505-5243
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BIDWELLS ADDN S 36 FT LOT 13 BLK 7 LOT DIMENSIONS: 36 X 132 APPROX LOT SQ FT 4752 SUBDIVISION: SEC 27&34 N ASHLAND RANGE CODE: 001
Legal Subdivision	BIDWELLS ADDN
Legal Block	7
Legal Lot Number	13
Jurisdiction	KANE IL
Township / Civil Division	AURORA
Census Block Group	5
Census Block	5009
Census Tract	854301

Owner

631 Watson St is owned by an individual who bought it in June 2026.

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

Owner of Record	Individual Name on File
Mailing Address	955 SYMPHONY DR, AURORA, IL 60504-5517
Owner Type	Individual
Vesting	Single

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

Date	Document
Jun 18, 2026	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE, INC
Apr 28, 2026	Warranty Deed, Transfer E-CHICAGO TITLE, CHICAGO TITLE
Apr 28, 2026	Warranty Deed, Transfer · Construction Mortgage KIAVI FUNDING INC
Jan 4, 2022	Warranty Deed, Transfer · FHA Mortgage FIRST NATIONAL BANK OF OMAHA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 18, 2026 · Amount on File
Deed Sale	Jun 18, 2026 · Amount on File
Prior Sale	Apr 28, 2026 · Amount on File
Deed Document Number	202625407
Prior Transfer Date	Apr 29, 2009
Prior Transfer Doc	0000039273
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 18, 2026
Property Address	631 WATSON ST, AURORA, IL 60505-5243
Document Number	0000025407
Instrument Date	May 28, 2026
Instrument	202625407
Transaction Type	Transfer
Record Updated	Jun 25, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$40,905.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	955 SYMPHONY DR, AURORA, IL 60504-5517
Investor	Possibly a Property Investor

Mortgage

Document Number	0000025408,
Date	Jun 18, 2026
Instrument	202625408

Lender

Name	GUARANTEED RATE, INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.75%
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0000025409,
Date	Jun 18, 2026
Instrument	202625409

Lender

Name	ILLINOIS HOUSING DEV AUTHORITY

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	30 Months
Due	Jun 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 28, 2026
Property Address	631 WATSON ST, AURORA, IL 60505-5243
Document Number	0000017049
Instrument Date	Apr 17, 2026
Instrument	2026.17049
Transaction Type	Transfer
Record Updated	May 6, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Tax	$33,330.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	2501 CHATHAM RD, SPRINGFIELD, IL 62704-4184

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 28, 2026
Property Address	631 WATSON ST, AURORA, IL 60505-5243
Document Number	0000017050
Instrument Date	Apr 15, 2026
Instrument	2026.17050
Transaction Type	Transfer
Record Updated	May 6, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$23,482.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	631 WATSON ST, AURORA, IL 60505-5243

Mortgage

Document Number	0000017051,
Date	Apr 28, 2026
Instrument	2026..17051

Lender

Name	KIAVI FUNDING INC

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	May 1, 2027

Interest

Rate	6.11%
Max Rate	-1%

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 4, 2022
Property Address	631 WATSON ST, AURORA, IL 60505-5243
Document Number	0000000421
Instrument Date	Oct 8, 2021
Instrument	2022K000421
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Tax	$76.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1565 ORCHID ST, YORKVILLE, IL 60560-3067

Mortgage

Document Number	0000000593
Date	Jan 4, 2022
Instrument	2022K000593

Lender

Name	FIRST NATIONAL BANK OF OMAHA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 631 Watson St was $4,259, up 4.2% from the year before.

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	$4,259.00 (+4.21%)	$65,225 (+9.39%) Land $5,487 Building $59,738	$195,753 (+9.39%) Land $16,468 Building $179,286
2024	$4,087.00	$59,626 Land $5,016 Building $54,610	$178,950 Land $15,054 Building $163,896
2022	$3,636.00 (+2.6%)	$47,159 (+7.41%) Land $4,089 Building $43,070	$141,477 (+7.41%) Land $12,267 Building $129,210
2021	$3,544.00	$43,906 Land $3,807 Building $40,099	$131,718 Land $11,421 Building $120,297

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 631 Watson 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.

Wildfire

The area around 631 Watson 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.

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

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

Nearby Properties on Watson St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures