1039 Garner Ave, Wheaton, IL 60187 Property Records

DuPage County property record for 1039 Garner Ave, Wheaton, IL 60187

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,745 sqft · built 2003
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$645,000 (Oct 2022)
Tax Bill	$14,246 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-15-108-041`

Property Details

APN / Parcel Number

Primary APN	`05-15-108-041`
Alternative APN	`0515108038`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,745 sqft Living Area
Gross Area	4,676 sqft
Basement Area	1,359 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Construction Type	Frame
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	10.6 ft deep x 7 ft wide
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	91 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1039 GARNER AVE
City	WHEATON
State	IL
Zip	60187-4413
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	FLOS PLAT OF CONSOL ALL
Legal Subdivision	FLOS PLAT
Legal Lot Number	1
Jurisdiction	DU PAGE IL
Township / Civil Division	MILTON
Census Block Group	1
Census Block	1024
Census Tract	841902

Owner

Source: DuPage County records · APN 05-15-108-041

Assessment roll updated August 17, 2026 · Last verified August 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 File
Mailing Address	1039 GARNER AVE, WHEATON, IL 60187-4413
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 21, 2022 · Amount on Record
Deed Sale	Oct 21, 2022 · Amount on Record
Prior Sale	Jun 11, 2002 · Amount on Record
Deed Document Number	202295777
Record Updated	Sep 20, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DU PAGE IL
Recording Date	Oct 21, 2022
Property Address	1039 GARNER AVE, WHEATON, IL 60187-4413
Document Number	0000095777
Map Reference	DOC 364684
Instrument Date	Oct 14, 2022
Instrument	R2022-095777
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$645.00
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 in Common
Address	1039 GARNER AVE, WHEATON, IL 60187-4413

Mortgage

Document Number	0000095778
Date	Oct 21, 2022
Instrument	R2022-095778

Lender

Name	COMPASS MORTGAGE INC
Type	Mortgage Company
Address	WARRENVILLE, IL 60555

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2052

Interest

Rate Type	Fixed Rate
Rate	6.5%

Tax Assessment & Valuation

Source: DuPage County records · Assessment roll updated August 17, 2026 · Last verified August 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$14,246.00 (+5.46%)	$243,203 (+24.68%) Land $29,787 Building $213,416	$729,609 (+24.68%) Land $89,361 Building $640,248
2022	$13,508.00	$195,060 Land $23,890 Building $171,170	$585,180 Land $71,670 Building $513,510

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 1, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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	5 in force
Nearby Flood Claims	7 (1978–2022)
Claims Outside the SFHA	3 of 7
Most Recent Claim	May 2022 · rainfall accumulation

Wildfire

Wildfire Risk	Low lower than 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Radiate Holdings.

Based on FCC filings for 411 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	WHEATON serves 53,970 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.