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

Kane County property record for 648 S 4th St, Aurora, IL 60505

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,634 sqft · built 1910
Lot Size	0.13 acres (5,662 sqft)
Owner	Individual Name on File
Last Sale	$120,000 (May 2016)
Tax Bill	$3,742 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Dec 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15-27-329-031`

Property Details

APN / Parcel Number

Primary APN	`15-27-329-031`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,634 sqft Living Area
Gross Area	2,733 sqft
Basement Area	859 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Construction Type	Frame
Lot Area	5,662 sqft (0.13 acres)
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch

Location & Zoning

Street Address	648 S 4TH ST
City	AURORA
State	IL
Zip	60505-5175
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WATERHOUSE ADDN PT LOT 3 & THEN PT LOT 4
Legal Subdivision	WATERHOUSE ADDN
Legal Block	3
Legal Lot Number	3,4
Jurisdiction	KANE IL
Township / Civil Division	AURORA
Census Block Group	3
Census Block	3011
Census Tract	854200

Owner

648 S 4th St is owned and occupied by an individual who bought it in May 2016.

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

Owner of Record	Individual Name on File
Mailing Address	648 S 4TH ST, AURORA, IL 60505-5175
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
Apr 21, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Dec 29, 2022	Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Sep 19, 2019	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Sep 19, 2019	Loan Modification, Mortgage · FHA Mortgage MR COOPER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 11, 2016 · Amount on File
Deed Sale	May 11, 2016 · Amount on File
Prior Sale	Apr 25, 2003 · Amount on File
Deed Document Number	201622488
Prior Transfer Date	Aug 14, 1996
Prior Transfer Doc	0000063978
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Recording Date	Apr 21, 2026
Property Address	648 S 4TH ST, AURORA, IL 60505-5175
Document Number	0000016006
Instrument Date	Apr 10, 2026
Instrument	202616006
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	648 S 4TH ST, AURORA, IL 60505-5175

Mortgage

Document Number	0000016006,
Date	Apr 21, 2026
Instrument	202616006

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	321 Months
Due	Jan 1, 2053

Interest

Rate	6.11%
Max Rate	-1%

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	648 S 4TH ST, AURORA, IL 60505-5175
Transaction Type	Mortgage
Record Updated	Jan 5, 2023
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000060430
Date	Dec 29, 2022
Instrument	2022K060430

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.18%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	648 S 4TH ST, AURORA, IL 60505-5175
Document Number	0000046804
Instrument Date	Sep 19, 2019
Transaction Type	Mortgage
Record Updated	Oct 15, 2019
Title Company	CORELOGIC-SOLUTIONS EXPRESS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	648 S 4TH ST AURORA IL 605055175, AURORA, IL 60505-5175

Mortgage

Document Number	0000046804
Date	Oct 4, 2019
Instrument	46804

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 3, 2049

September 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KANE IL
Property Address	648 S 4TH ST, AURORA, IL 60505-5175
Document Number	0000046592
Instrument Date	Sep 19, 2019
Transaction Type	Mortgage
Record Updated	Oct 14, 2019
Title Company	CORELOGIC-SOLUTIONS EXPRESS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	648 S 4TH ST AURORA IL 605055175, AURORA, IL 60505-5175

Mortgage

Document Number	0000046592
Date	Oct 3, 2019
Instrument	46592

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 2, 2049

Interest

Rate	4.37%

Tax Assessment & Valuation

The 2025 property tax bill for 648 S 4th St was $3,742 with a homeowner's exemption, up 5.6% 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	$3,742.00 (+5.62%) Homeowner's exemption	$65,301 (+9.39%) Land $6,868 Building $58,433	$195,981 (+9.39%) Land $20,612 Building $175,369
2024	$3,543.00	$59,695 Land $6,278 Building $53,417	$179,157 Land $18,842 Building $160,315
2022	$3,241.00 (+2.14%) Homeowner's exemption	$48,665 (+7.41%) Land $5,118 Building $43,547	$145,995 (+7.41%) Land $15,354 Building $130,641
2021	$3,173.00 Homeowner's exemption	$45,308 Land $4,765 Building $40,543	$135,924 Land $14,295 Building $121,629

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 648 S 4th 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 648 S 4th 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 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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