965 Edwards St, Aurora, IL 60505 Property Records

Kane County property record for 965 Edwards St, Aurora, IL 60505

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,066 sqft · built 2004
Lot Size	0.42 acres (18,295 sqft)
Owner	2 Individual Names on File
Last Sale	$143,000 (Jul 2004)
Tax Bill	$6,015 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Nov 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-14-377-048`

Property Details

APN / Parcel Number

Primary APN	`15-14-377-048`
Alternative APN	`1514377029`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,066 sqft Living Area
Gross Area	2,792 sqft
1st Floor Area	1,066 sqft
Basement Area	1,066 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Construction Type	Frame
Lot Area	18,295 sqft (0.42 acres)
Garage Type	Attached
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	965 EDWARDS ST
City	AURORA
State	IL
Zip	60505-2301
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LATHROPS ADD PT OF LOT 3 DESC IN DOC 2003K087380 (EX PT TAKEN FOR RD BY DOC 2004K056324) RANGE CODE: 001
Legal Subdivision	LATHROPS ADD
Legal Block	1
Legal Lot Number	3
Jurisdiction	KANE IL
Township / Civil Division	AURORA
Census Block Group	1
Census Block	1003
Census Tract	853300

Owner

965 Edwards St is owned and occupied by two individuals who acquired it in January 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	965 EDWARDS ST, AURORA, IL 60505-2301
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 20, 2025	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF OMAHA
Nov 16, 2023	Deed of Trust, Mortgage · ARM FIRST NATIONAL BANK OF OMAHA
Feb 15, 2022	Intrafamily Transfer, Transfer · FHA Mortgage AMERISAVE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2004 · Amount on File
Deed Sale	Jul 19, 2004 · Amount on File
Prior Sale	May 27, 2003 · Amount on File
Deed Document Number	200496247
Last Transfer Date	Jan 19, 2022
Transfer Doc	0000008887
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	965 EDWARDS ST, AURORA, IL 60505-2301
Transaction Type	Mortgage
Record Updated	Dec 1, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000046191
Date	Nov 20, 2025
Instrument	2025K046191

Lender

Name	FIRST NATIONAL BANK OF OMAHA
Type	Bank
Address	OMAHA, NE 68197

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	7%
Change Frequency	Monthly
Max Rate	18%

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	965 EDWARDS ST, AURORA, IL 60505-2301
Transaction Type	Mortgage
Record Updated	Nov 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000040456
Date	Nov 16, 2023
Instrument	2023K040456

Lender

Name	FIRST NATIONAL BANK OF OMAHA
Type	Bank
Address	OMAHA, NE 68197

Agreement

Type	ARM
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	10 Years
Index	FHLBNY's 5-Year Index

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Feb 15, 2022
Property Address	965 EDWARDS ST, AURORA, IL 60505-2301
Document Number	0000008887
Instrument Date	Jan 19, 2022
Instrument	2022K008887
Transaction Type	Transfer
Record Updated	Feb 21, 2022
Title Company	ACCOMODATION, ACCOMMODATION

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	Joint Tenants
Address	965 EDWARDS ST, AURORA, IL 60505-2301

Mortgage

Document Number	0000008888
Date	Feb 15, 2022
Instrument	2022K008888

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2052

Interest

Rate Type	Fixed Rate
Rate	2.75%

Tax Assessment & Valuation

The 2025 property tax bill for 965 Edwards St was $6,015 with a homeowner's exemption.

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	$6,015.00 Homeowner's exemption	$100,110 (+9.39%) Land $13,166 Building $86,944	$300,450 (+9.39%) Land $39,514 Building $260,936
2024		$91,517 Land $12,036 Building $79,481	$274,661 Land $36,122 Building $238,538
2022	$5,212.00 (+1.74%) Homeowner's exemption	$74,608 (+7.41%) Land $9,812 Building $64,796	$223,824 (+7.41%) Land $29,436 Building $194,388
2021	$5,123.00 Homeowner's exemption	$69,461 Land $9,135 Building $60,326	$208,383 Land $27,405 Building $180,978

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 965 Edwards St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1996.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1996)
Most Recent Claim	Oct 1996 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 965 Edwards St 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.

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 398 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
AT&T DSL	100 / 20

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

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