644 S 4th St, Aurora, IL 60505 Property Records

Kane County property record for 644 S 4th St, Aurora, IL 60505

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,440 sqft · built 1910
Lot Size	0.11 acres (4,791 sqft)
Owner	Individual Name on Record
Last Sale	$210,000 (Jun 2022)
Tax Bill	$3,286 (2025)
Deeds & Mortgages	Aug 2020 Line of Credit Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-27-329-005`

Property Details

APN / Parcel Number

Primary APN	`15-27-329-005`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,440 sqft Living Area
Gross Area	2,160 sqft
Basement Area	720 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Construction Type	Frame
Lot Area	4,791 sqft (0.11 acres)
Lot Dimensions	138 ft deep x 38 ft wide
Porch	Open Porch

Location & Zoning

Street Address	644 S 4TH ST
City	AURORA
State	IL
Zip	60505-5175
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WATERHOUSE ADD : S 38 FT N 76 FT W 138 FT LOT 3
Legal Subdivision	WATERHOUSE ADD
Legal Block	3
Legal Lot Number	3
Jurisdiction	KANE IL
Township / Civil Division	AURORA
Census Block Group	3
Census Block	3011
Census Tract	854200

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	644 S 4TH ST, AURORA, IL 60505-5175
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2020	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Jun 2, 2022	Warranty Deed, Transfer · Conventional Mortgage LOANDE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 2, 2022 · Amount on Record
Deed Sale	Jun 2, 2022 · Amount on Record
Prior Sale	Aug 21, 2003 · Amount on Record
Deed Document Number	202229029
Prior Transfer Date	Oct 19, 2005
Prior Transfer Doc	0000142278
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	644 S 4TH ST, AURORA, IL 60505-5175
Transaction Type	Mortgage
Record Updated	Jun 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000042597
Date	Aug 3, 2020
Instrument	2020K042597

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 9, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 2, 2022
Property Address	644 S 4TH ST, AURORA, IL 60505-5175
Document Number	0000029029
Instrument Date	May 27, 2022
Instrument	2022K029029
Transaction Type	Transfer
Record Updated	Jun 8, 2022
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$210.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	322 LAKE AVE, 322, WILMETTE, IL 60091-1926

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	644 S 4TH ST, AURORA, IL 60505-5175
Investor	Possibly a Property Investor

Mortgage

Document Number	0000029030
Date	Jun 2, 2022
Instrument	2022K029030

Lender

Name	LOANDE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

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	$3,286.00 (-0.48%) Homeowner's exemption	$58,328 (+9.39%) Land $5,308 Building $53,020	$175,054 (+9.39%) Land $15,930 Building $159,124
2024		$53,321 (+22.66%) Land $4,852 Building $48,469	$160,027 (+22.71%) Land $14,562 Building $145,465
2022	$3,302.00 (+1.07%)	$43,469 (+7.41%) Land $3,955 Building $39,514	$130,407 (+7.41%) Land $11,865 Building $118,542
2021	$3,267.00	$40,470 Land $3,682 Building $36,788	$121,410 Land $11,046 Building $110,364

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250

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

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