641 S Union St, Aurora, IL 60505 Property Records

Kane County property record for 641 S Union St, Aurora, IL 60505

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 748 sqft · built 1927
Lot Size	0.9 acres (3,920 sqft)
Owner	Individual Name on Record
Last Sale	$144,000 (Aug 2018)
Tax Bill	$2,606 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-27-431-023`

Property Details

APN / Parcel Number

Primary APN	`15-27-431-023`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	748 sqft Living Area
Gross Area	1,776 sqft
1st Floor Area	748 sqft
Basement Area	748 sqft

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	3,920 sqft (0.9 acres)
Garage Type	Attached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	641 S UNION ST
City	AURORA
State	IL
Zip	60505-5321
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GATES RESUB E 7 FT LOT 7 BLK 8
Legal Subdivision	GATES RESUB
Legal Block	8
Legal Lot Number	7
Jurisdiction	KANE IL
Township / Civil Division	AURORA
Census Block Group	2
Census Block	2004
Census Tract	854301

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	641 S UNION ST, AURORA, IL 60505-5321
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2021	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Aug 6, 2018	Warranty Deed, Transfer · FHA Mortgage FIRST CENTRAL MORTGAGE SERVICE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 6, 2018 · Amount on Record
Deed Sale	Aug 6, 2018 · Amount on Record
Prior Sale	May 11, 2010 · Amount on Record
Deed Document Number	201837965
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	641 S UNION ST, AURORA, IL 60505-5321
Transaction Type	Mortgage
Record Updated	Jun 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000042864
Date	Jun 4, 2021
Instrument	2021K042864

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	326 Months
Due	Aug 1, 2048

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 6, 2018
Property Address	641 S UNION ST, AURORA, IL 60505-5321
Document Number	0000037965
Instrument Date	Jul 27, 2018
Instrument	2018K037965
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$144.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	641 S UNION ST, AURORA, IL 60505-5321

Mortgage

Document Number	0000037966
Date	Aug 6, 2018
Instrument	2018K037966

Lender

Name	FIRST CENTRAL MORTGAGE SERVICE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2048

Interest

Rate Type	Fixed Rate
Rate	5.12%

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 East Unit School District 131 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,606.00 (+19.6%) Homeowner's exemption	$47,902 (+9.39%) Land $6,150 Building $41,752	$143,764 (+9.39%) Land $18,457 Building $125,306
2024		$43,790 (+26.25%) Land $5,622 Building $38,168	$131,423 (+26.3%) Land $16,873 Building $114,550
2022	$2,179.00 (+2.69%) Homeowner's exemption	$34,686 (+7.41%) Land $4,583 Building $30,103	$104,058 (+7.41%) Land $13,749 Building $90,309
2021	$2,122.00 Homeowner's exemption	$32,293 Land $4,267 Building $28,026	$96,879 Land $12,801 Building $84,078

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	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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