Kane County property record for 685 Saddle Ln, Aurora, IL 60505
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,373 sqft · built 1967 |
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,526 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-11-303-006 |
| Primary APN | 15-11-303-006 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,373 sqft Living Area |
| Gross Area | 3,362 sqft |
| 1st Floor Area | 1,373 sqft |
| Basement Area | 1,373 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 17,424 sqft (0.4 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
| Cooling System | Central |
|---|
| Street Address | 685 SADDLE LN |
|---|---|
| City | AURORA |
| State | IL |
| Zip | 60505-9535 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CLOVERLEAF ESTATES LOT 20 LOT DIMENSIONS: 106 X 151 X 118.68 X 151.62 SUBDIVISION: SADDLE LANE RANGE CODE: 001 |
| Legal Subdivision | SADDLE LANE |
| Legal Block | 2 |
| Legal Lot Number | 20 |
| Jurisdiction | KANE IL |
| Township / Civil Division | AURORA |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 852906 |
685 Saddle Ln is owned and occupied by two individuals.
Source: Kane County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 685 SADDLE LN, AURORA, IL 60505-9535 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 685 SADDLE LN, AURORA, IL 60505-9535 |
| Transaction Type | Mortgage |
| Record Updated | Sep 13, 2021 |
| Title Company | BAIRD AND WARNER TITLE SERVICES INC, BAIRD & WARNER TTL SVCS INC |
| Name | Verified Name |
|---|
| Document Number | 0000067772 |
|---|---|
| Date | Sep 3, 2021 |
| Instrument | 2021K067772 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.75% |
The 2025 property tax bill for 685 Saddle Ln was $4,526 with a homeowner's exemption.
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Aurora Township |
| Unified School District | Aurora East Unit School District 131 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,526.00 Homeowner's exemption | $103,847 (+9.39%) Land $21,612 Building $82,235 | $311,666 (+9.39%) Land $64,862 Building $246,804 |
| 2024 | $94,933 Land $19,757 Building $75,176 | $284,913 Land $59,295 Building $225,618 | |
| 2022 | $3,990.00 (+0.81%) Homeowner's exemption | $77,393 (+7.41%) Land $16,107 Building $61,286 | $232,179 (+7.41%) Land $48,321 Building $183,858 |
| 2021 | $3,958.00 Homeowner's exemption | $72,054 Land $14,996 Building $57,058 | $216,162 Land $44,988 Building $171,174 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 685 Saddle Ln 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 risk around 685 Saddle Ln is low, with less than a 0.01% annual chance of 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 207 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, Metronet, T-Mobile.
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