651 Spruce St, Aurora, IL 60506 Property Records

Kane County property record for 651 Spruce St, Aurora, IL 60506

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,140 sqft · built 1920
Lot Size	0.11 acres (4,810 sqft)
Owner	Individual Name on Record
Tax Bill	$4,155 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Jan 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-21-130-008`

Property Details

APN / Parcel Number

Primary APN	`15-21-130-008`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,140 sqft Living Area
Gross Area	2,390 sqft
Basement Area	900 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	4,810 sqft (0.11 acres)
Garage Type	Attached
Garage Area	350 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	651 SPRUCE ST
City	AURORA
State	IL
Zip	60506-3844
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 19 BLOCK 19 IN HOYTS 3RD ADDN
Legal Subdivision	HOYTS 3RD ADDN
Legal Block	19
Legal Lot Number	19
Jurisdiction	KANE IL
Township / Civil Division	AURORA
Census Block Group	2
Census Block	2016
Census Tract	853100

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	119 S 8TH ST, DEKALB, IL 60115-3840
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2023	Intrafamily Transfer, Transfer · Line of Credit FIRST AMERICAN BANK
Jan 15, 2020	Deed of Trust, Mortgage · FHA Mortgage INLANTA MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 4, 2024
Deed Sale	Oct 4, 2024
Prior Sale	Dec 4, 2012 · Amount on Record
Deed Document Number	202436115
Prior Transfer Date	Dec 31, 2022
Prior Transfer Doc	0000000916
Record Updated	Oct 29, 2026

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Jan 10, 2023
Property Address	651 SPRUCE ST, AURORA, IL 60506-3844
Document Number	0000000916
Instrument Date	Dec 31, 2022
Instrument	2023K000916
Transaction Type	Transfer
Record Updated	Jan 17, 2023
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	651 SPRUCE ST, AURORA, IL 60506-3844

Mortgage

Document Number	0000000981
Date	Jan 10, 2023
Instrument	2023K000981

Lender

Name	FIRST AMERICAN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Feb 1, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly
Min Rate At Change	4.25%
Max Rate	18%

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	651 SPRUCE ST, AURORA, IL 60506-3844
Transaction Type	Mortgage
Record Updated	Aug 5, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002743
Date	Jan 15, 2020
Instrument	2020K002743

Lender

Name	INLANTA MORTGAGE INC
Type	Mortgage Company
Address	BROOKFIELD, WI 53045

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	275 Months
Due	Dec 1, 2042

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 West Unit School District 129 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,155.00 (+29.76%)	$63,949 (+10.5%) Land $8,613 Building $55,336	$191,924 (+10.5%) Land $25,849 Building $166,074
2024		$57,872 (+22.66%) Land $7,874 Building $49,998	$173,685 (+22.71%) Land $23,631 Building $150,054
2022	$3,202.00 (+76.91%) Homeowner's exemption	$47,179 (+7.41%) Land $6,419 Building $40,760	$141,537 (+7.41%) Land $19,257 Building $122,280
2021	$1,810.00 Homeowner's exemption	$43,924 Land $5,976 Building $37,948	$131,772 Land $17,928 Building $113,844

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Metronet, Watch TV.

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