645 Gates St, Aurora, IL 60505 Property Records

Kane County property record for 645 Gates St, Aurora, IL 60505

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,032 sqft · built 1995
Lot Size	0.142 acres (6,204 sqft)
Owner	2 Individual Names on Record
Last Sale	$230,000 (Apr 2023)
Tax Bill	$4,580 (2025)
Deeds & Mortgages	Sep 2026 Transfer Apr 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-27-432-024`

Property Details

APN / Parcel Number

Primary APN	`15-27-432-024`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,032 sqft Living Area
Gross Area	1,432 sqft
1st Floor Area	1,032 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Ranch
Construction Type	Frame
Lot Area	6,204 sqft (0.142 acres)
Lot Dimensions	132 ft deep x 47 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Water Source	Commercial

Location & Zoning

Street Address	645 GATES ST
City	AURORA
State	IL
Zip	60505-5313
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GATES RESUB : LOT 13 BLK 9
Legal Subdivision	GATES RESUB
Legal Block	9
Legal Lot Number	13
Jurisdiction	KANE IL
Township / Civil Division	AURORA
Census Block Group	2
Census Block	2005
Census Tract	854301

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	645 GATES ST, AURORA, IL 60505-5313
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2026	Quit Claim Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN
Apr 17, 2023	Warranty Deed, Transfer · FHA Mortgage FIRST CENTENNIAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2023 · Amount on Record
Deed Sale	Apr 17, 2023 · Amount on Record
Prior Sale	Apr 23, 2004 · Amount on Record
Deed Document Number	202311856
Last Transfer Date	Aug 31, 2026
Transfer Doc	0000040720
Record Updated	Oct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Sep 18, 2026
Property Address	645 GATES ST, AURORA, IL 60505-5313
Document Number	0000040720
Instrument Date	Aug 31, 2026
Instrument	202640720
Transaction Type	Transfer
Record Updated	Sep 30, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	645 GATES ST, AURORA, IL 60505-5313

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 17, 2023
Property Address	645 GATES ST, AURORA, IL 60505-5313
Document Number	0000011856
Instrument Date	Mar 29, 2023
Instrument	2023K011856
Transaction Type	Transfer
Record Updated	Apr 24, 2023
Title Company	CHICAGO TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$230.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	108 FERNWOOD RD, MONTGOMERY, IL 60538-2011

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	645 GATES ST, AURORA, IL 60505-5313

Mortgage

Document Number	0000011857
Date	Apr 17, 2023
Instrument	2023K011857

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.25%

Mortgage

Document Number	0000011858
Date	Apr 17, 2023
Instrument	2023K011858

Lender

Name	ILLINOIS HOUSING DEVELOPMENT AUTHORITY
Type	Government Agency
Address	CHICAGO, IL 60601

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 1, 2033

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	$4,580.00 (+19.21%)	$78,130 (+9.39%) Land $7,181 Building $70,949	$234,484 (+9.39%) Land $21,552 Building $212,932
2024		$71,424 (+26.25%) Land $6,565 Building $64,859	$214,358 (+26.3%) Land $19,703 Building $194,655
2022	$3,842.00 (+1.99%) Homeowner's exemption	$56,575 (+7.41%) Land $5,352 Building $51,223	$169,725 (+7.41%) Land $16,056 Building $153,669
2021	$3,767.00 Homeowner's exemption	$52,672 Land $4,983 Building $47,689	$158,016 Land $14,949 Building $143,067

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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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