1013 Emerald Dr, Naperville, IL 60540 Property Records

DuPage County property record for 1013 Emerald Dr, Naperville, IL 60540

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 4,012 sqft · built 1960
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on Record
Last Sale	$765,000 (Oct 2021)
Tax Bill	$17,068 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-201-003`

Property Details

APN / Parcel Number

Primary APN	`07-25-201-003`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	3 Stories
Building Area	4,012 sqft Living Area
1st Floor Area	1,746 sqft
2nd Floor Area	1,640 sqft
Basement Area	626 sqft
Finished Basement	626 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Split Level
Construction Type	Frame
Lot Area	11,326 sqft (0.26 acres)
Lot Dimensions	14.5 ft deep x 8 ft wide
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1013 EMERALD DR
City	NAPERVILLE
State	IL
Zip	60540-7215
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	MOSER HIGHLANDS UNIT 11
Legal Subdivision	MOSER HIGHLANDS
Legal Block	12
Legal Lot Number	1
Legal Unit	11
Jurisdiction	DU PAGE IL
Township / Civil Division	NAPERVILLE
Census Block Group	1
Census Block	1010
Census Tract	846523

Owner

Source: DuPage County records, as of August 17, 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	1013 EMERALD DR, NAPERVILLE, IL 60540-7215
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2021	Warranty Deed, Transfer · Conventional Mortgage COMPASS MORTGAGE INC
Oct 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP
Jun 1, 2018	Warranty Deed, Transfer · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 22, 2021 · Amount on Record
Deed Sale	Oct 22, 2021 · Amount on Record
Prior Sale	Sep 14, 2010 · Amount on Record
Deed Document Number	2021155774
Record Updated	Sep 20, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DU PAGE IL
Recording Date	Oct 22, 2021
Property Address	1013 EMERALD DR, NAPERVILLE, IL 60540-7215
Document Number	0000155774
Map Reference	DOC 933603
Instrument Date	Oct 15, 2021
Instrument	R2021-155774
Transaction Type	Transfer
Record Updated	Nov 5, 2021
Title Company	NAPERVILLE TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$765.00
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	1013 EMERALD DR, NAPERVILLE, IL 60540-7215

Mortgage

Document Number	0000155775
Date	Oct 22, 2021
Instrument	R2021-155775

Lender

Name	COMPASS MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Type Change Date	Nov 1, 2031
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7.62%
Index	Other
Margin	3
Max Rate	7.62%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	1013 EMERALD DR, NAPERVILLE, IL 60540-7215
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ATA NATIONAL TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000099444
Date	Oct 30, 2019
Instrument	R2019-099444

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company
Address	DOWNERS GROVE, IL 60515

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Nov 1, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.62%
Index	1-Year LIBOR
Max Rate	8.62%

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DU PAGE IL
Recording Date	Jun 1, 2018
Property Address	1013 EMERALD DR, NAPERVILLE, IL 60540-7215
Document Number	0000048663
Map Reference	DOC933603
Instrument Date	May 2, 2018
Instrument	R2018-048663
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	FIRST AMERICAN TITLE INSURAN

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1013 EMERALD DR, NAPERVILLE, IL 60540-7215

Mortgage

Document Number	0000048664
Date	Jun 1, 2018
Instrument	R2018-048664

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2048

Interest

Rate Type	Fixed Rate
Rate	4.87%

Mortgage

Document Number	0000048665
Date	Jun 1, 2018
Instrument	R2018-048665

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	May 23, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	DuPage County
County Subdivision	Naperville Township
Municipality	Naperville City
Unified School District	Naperville Community Unit District 203 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$17,068.00 (+17%)	$300,736 (+29.75%) Land $67,641 Building $233,095	$902,208 (+29.75%) Land $202,923 Building $699,285
2022	$14,588.00 Homeowner's exemption	$231,780 Land $51,730 Building $180,050	$695,340 Land $155,190 Building $540,150

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 10 (0% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	7 (1982–2015)
Claims Outside the SFHA	4 of 7
Most Recent Claim	Jun 2015 · other causes
Claims by Event	Severe Storms And Flooding, Jul 1996 · 2 claims

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	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	NAPERVILLE serves 156,406 people · EPA ID IL0434670
Water Source	Purchased surface water from DU PAGE WATER COMMISSION
Last State Inspection	Sep 2025
Lead	6 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	15 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 450 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: T-Mobile.

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