1003 S Naperville Rd, Wheaton, IL 60189 Property Records

DuPage County property record for 1003 S Naperville Rd, Wheaton, IL 60189

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,440 sqft · built 1959
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Individual Names on Record
Last Sale	$305,000 (Jan 2022)
Tax Bill	$7,267 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Apr 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05-21-202-007`

Property Details

APN / Parcel Number

Primary APN	`05-21-202-007`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,440 sqft Living Area
Basement Area	1,036 sqft
Finished Basement	1,036 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Split Level
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,424 sqft (0.4 acres)
Lot Dimensions	28.5 ft deep x 6 ft wide
Garage Type	Attached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Deck Area	Deck Area
Patio Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1003 S NAPERVILLE RD
City	WHEATON
State	IL
Zip	60189-6413
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	ROOSEVELT HEIGHTS S 1/2
Legal Subdivision	ROOSEVELT HEIGHTS
Legal Lot Number	62
Jurisdiction	DU PAGE IL
Township / Civil Division	MILTON
Census Block Group	1
Census Block	1005
Census Tract	842703

Owner

Source: DuPage County records, as of September 11, 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	1003 S NAPERVILLE RD, WHEATON, IL 60189-6413
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2026	Deed of Trust, Mortgage · Line of Credit AMERICAN AIRLINES FEDERAL CREDIT UNION
Apr 21, 2017	Deed of Trust, Mortgage · Conventional Mortgage CAPITAL ONE NA
Sep 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Jan 7, 2022	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 7, 2022 · Amount on Record
Deed Sale	Jan 7, 2022 · Amount on Record
Prior Sale	Oct 4, 2001 · Amount on Record
Deed Document Number	20222563
Prior Transfer Date	Jul 7, 1995
Prior Transfer Doc	0000101842
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Recording Date	Sep 2, 2026
Property Address	1003 S NAPERVILLE RD, WHEATON, IL 60189-6413
Document Number	0000060510
Instrument Date	Aug 24, 2026
Instrument	202660510
Transaction Type	Mortgage
Record Updated	Sep 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	1003 S NAPERVILLE RD, WHEATON, IL 60189-6413

Mortgage

Document Number	0000060510,
Date	Sep 2, 2026
Instrument	202660510

Lender

Name	AMERICAN AIRLINES FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 2, 2046

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	1003 S NAPERVILLE RD, WHEATON, IL 60189-6413
Transaction Type	Mortgage
Record Updated	Dec 14, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000038305
Date	Apr 21, 2017
Instrument	R2017-038305

Lender

Name	CAPITAL ONE NA
Type	Bank
Address	PLANO, TX 75024

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2047

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	1003 S NAPERVILLE RD, WHEATON, IL 60189-6413
Transaction Type	Mortgage
Record Updated	Dec 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000097367
Date	Sep 1, 2020
Instrument	R2020-097367

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Non-Lending Institution
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Aug 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.87%

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DU PAGE IL
Recording Date	Jan 7, 2022
Property Address	1003 S NAPERVILLE RD, WHEATON, IL 60189-6413
Document Number	0000002563
Map Reference	DOC 138250
Instrument Date	Aug 3, 2021
Instrument	R2022-002563
Transaction Type	Transfer
Record Updated	Jan 24, 2022
Title Company	CITYWIDE TITLE CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$305.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1003 S NAPERVILLE RD, WHEATON, IL 60189-6413

Mortgage

Document Number	0000002564
Date	Jan 7, 2022
Instrument	R2022-002564

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

Source: DuPage County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	DuPage County
County Subdivision	Milton Township
Municipality	Wheaton City
Unified School District	Community Unit School District 200 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,267.00 (+8.56%)	$127,988 (+24.67%) Land $37,600 Building $90,388	$383,964 (+24.67%) Land $112,800 Building $271,164
2022	$6,694.00 Homeowner's exemption	$102,660 Land $30,160 Building $72,500	$307,980 Land $90,480 Building $217,500

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 September 1, 2025 · 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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	5 (1978–1990)
Claims Outside the SFHA	1 of 5
Most Recent Claim	May 1990 · river or lake flooding

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

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	WHEATON serves 53,970 people · EPA ID IL0431050
Water Source	Purchased surface water from DU PAGE WATER COMMISSION
Last State Inspection	Jun 2024
Lead	2 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 396 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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