1020 Frances Ct, Naperville, IL 60563 Property Records

DuPage County property record for 1020 Frances Ct, Naperville, IL 60563

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 4,021 sqft · built 2000
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$426,500 (Oct 2000)
Tax Bill	$13,488 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jun 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`08-08-409-013`

Property Details

APN / Parcel Number

Primary APN	`08-08-409-013`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,021 sqft Living Area
1st Floor Area	1,318 sqft
2nd Floor Area	1,385 sqft
Basement Area	1,318 sqft
Finished Basement	1,318 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Lot Area	10,454 sqft (0.24 acres)
Garage Area	481 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1020 FRANCES CT
City	NAPERVILLE
State	IL
Zip	60563-3370
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	PHEASANT GLEN ALL
Legal Subdivision	PHEASANT GLEN
Legal Lot Number	23
Jurisdiction	DU PAGE IL
Township / Civil Division	LISLE
Census Block Group	2
Census Block	2034
Census Tract	846104

Owner

1020 Frances Ct is owned and occupied by two individuals who bought it in October 2000.

Source: DuPage County records, as of August 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1020 FRANCES CT, NAPERVILLE, IL 60563-3370
Occupancy	Owner Occupied
Owner Type	Individual

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
Jan 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage BMO HARRIS BANK NA
Jun 4, 2019	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2000 · Amount on File
Deed Sale	Oct 4, 2000 · Amount on File
Deed Document Number	2000155389
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	1020 FRANCES CT, NAPERVILLE, IL 60563-3370
Transaction Type	Mortgage
Record Updated	Feb 8, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008103
Date	Jan 24, 2022
Instrument	R2022-008103

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2037

Interest

Rate	2.5%

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	1020 FRANCES CT, NAPERVILLE, IL 60563-3370
Transaction Type	Mortgage
Record Updated	Dec 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000043575
Date	Jun 4, 2019
Instrument	R2019-043575

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	May 30, 2049

Interest

Rate Type	Adjustable Rate
Rate	5.2%
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 1020 Frances Ct was $13,488 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Illinois
County	DuPage County
County Subdivision	Lisle 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	$13,488.00	$239,116 Land $69,042 Building $170,074	$717,348 Land $207,126 Building $510,222
2022	$12,625.00 Homeowner's exemption	$201,080 Land $58,060 Building $143,020	$603,240 Land $174,180 Building $429,060

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 1020 Frances Ct in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	7 (1996–2026)
Claims Outside the SFHA	2 of 7
Most Recent Claim	Jul 2026 · rainfall accumulation
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 2 claims 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

The area around 1020 Frances Ct has no burnable land within ember reach, so its wildfire risk is not rated.

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 361 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Astound Broadband.

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