640 S Union St, Aurora, IL 60505 Property Records

Kane County property record for 640 S Union St, Aurora, IL 60505

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,266 sqft · built 1914
Lot Size	0.152 acres (6,600 sqft)
Owner	Individual Name on File
Last Sale	$215,000 (Feb 2022)
Tax Bill	$3,916 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Jun 2021 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`15-27-432-011`

Property Details

APN / Parcel Number

Primary APN	`15-27-432-011`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,266 sqft Living Area
Gross Area	2,506 sqft
Basement Area	844 sqft

Exterior

Year Built	Built 1914
Effective Year Built	Effective 1914
Construction Type	Frame
Lot Area	6,600 sqft (0.152 acres)
Lot Dimensions	132 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch

Utilities, Heating & Cooling

Cooling System	None
Water Source	Commercial

Location & Zoning

Street Address	640 S UNION ST
City	AURORA
State	IL
Zip	60505-5322
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GATES RESUBDN : LOT 11 BLK 9 LOT DIMENSIONS: 50 X 132 APPROX LOT SQ FT 6600 SUBDIVISION: SEC 27&34 N ASHLAND RANGE CODE: 001
Legal Subdivision	GATES RESUB
Legal Block	9
Legal Lot Number	11
Jurisdiction	KANE IL
Township / Civil Division	AURORA
Census Block Group	2
Census Block	2005
Census Tract	854301

Owner

640 S Union St is owned and occupied by an individual who bought it in February 2022.

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

Owner of Record	Individual Name on File
Mailing Address	640 S UNION ST, AURORA, IL 60505-5322
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 22, 2022	Warranty Deed, Transfer · FHA Mortgage FIRST CENTENNIAL MORTGAGE CORP
Jun 9, 2021	Warranty Deed, Construction Loan · Construction Mortgage TVC FUNDING V LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 22, 2022 · Amount on File
Deed Sale	Feb 22, 2022 · Amount on File
Prior Sale	Jun 9, 2021 · Amount on File
Deed Document Number	202210091
Prior Transfer Date	Dec 29, 1981
Prior Transfer Doc	0000032291
Record Updated	Oct 29, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Feb 22, 2022
Property Address	640 S UNION ST, AURORA, IL 60505-5322
Document Number	0000010091
Instrument Date	Feb 22, 2022
Instrument	2022K010091
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$215.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1651 COOLIDGE AVE, AURORA, IL 60505-3128

Mortgage

Document Number	0000010092
Date	Feb 22, 2022
Instrument	2022K010092

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

Interest

Rate Type	Fixed Rate
Rate	4.12%

June 2021: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 9, 2021
Property Address	640 S UNION ST, AURORA, IL 60505-5322
Document Number	0000043988
Instrument Date	May 7, 2021
Instrument	2021K043988
Transaction Type	Construction Loan
Record Updated	Aug 5, 2022
Title Company	ATTORNEY'S TITLE, ATTORNEYS TTL GUARANTY FUND

Transaction

Amount	Amount on Record
Tax	$85.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 S UNION ST, AURORA, IL 60505-5322

Mortgage

Document Number	0000043989
Date	Jun 9, 2021
Instrument	2021K043989

Lender

Name	TVC FUNDING V LLC

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jun 1, 2022

Interest

Rate	10.5%

Tax Assessment & Valuation

The 2025 property tax bill for 640 S Union St was $3,916 with a homeowner's exemption.

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	$3,916.00 Homeowner's exemption	$67,963 (+9.39%) Land $7,626 Building $60,337	$203,971 (+9.39%) Land $22,887 Building $181,083
2024		$62,129 Land $6,971 Building $55,158	$186,462 Land $20,921 Building $165,540
2022	$3,606.00 (+1.09%)	$47,471 (+7.41%) Land $5,683 Building $41,788	$142,413 (+7.41%) Land $17,049 Building $125,364
2021	$3,567.00	$44,196 Land $5,291 Building $38,905	$132,588 Land $15,873 Building $116,715

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 640 S Union 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

Wildfire risk around 640 S Union St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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.

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