DuPage County property record for 1045 Hemlock Ln, Naperville, IL 60540
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,974 sqft · built 1960 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $8,736 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Jun 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-25-213-010 |
| Primary APN | 07-25-213-010 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Total Rooms | 4 Rooms |
| Stories | 3 Stories |
| Building Area | 1,974 sqft Living Area |
| 1st Floor Area | 1,350 sqft |
| Basement Area | 624 sqft |
| Finished Basement | 624 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Tri-Level |
| Construction Type | Frame |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 12.6 ft deep x 7.7 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 1045 HEMLOCK LN |
|---|---|
| City | NAPERVILLE |
| State | IL |
| Zip | 60540-7240 |
| 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 | 8 |
| Legal Lot Number | 3 |
| Legal Unit | 11 |
| Jurisdiction | DU PAGE IL |
| Township / Civil Division | NAPERVILLE |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 846523 |
1045 Hemlock Ln is owned and occupied by two individuals who acquired it in August 2006.
Source: DuPage County records, as of August 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1045 HEMLOCK LN, NAPERVILLE, IL 60540-7240 |
| 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.
| Date | Document |
|---|---|
| Nov 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jun 5, 2018 | Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Aug 15, 2006 |
| Transfer Doc | 0000158752 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DU PAGE IL |
| Property Address | 1045 HEMLOCK LN, NAPERVILLE, IL 60540-7240 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000163419 |
|---|---|
| Date | Nov 8, 2021 |
| Instrument | R2021-163419 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Nov 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.87% |
| Document Type | Deed |
|---|---|
| Jurisdiction | DU PAGE IL |
| Recording Date | Jun 5, 2018 |
| Property Address | 1045 HEMLOCK LN, NAPERVILLE, IL 60540-7240 |
| Document Number | 0000049626 |
| Map Reference | DOC933603 |
| Instrument Date | May 30, 2018 |
| Instrument | R2018-049626 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| Title Company | ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1045 HEMLOCK LN, NAPERVILLE, IL 60540-7240 |
| Document Number | 0000049627 |
|---|---|
| Date | Jun 5, 2018 |
| Instrument | R2018-049627 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2048 |
The 2025 property tax bill for 1045 Hemlock Ln was $8,736 with a homeowner's exemption.
Source: DuPage County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | DuPage County |
| County Subdivision | Naperville Township |
| Municipality | Naperville City |
| Unified School District | Naperville Community Unit District 203 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,736.00 | $157,837 Land $67,641 Building $90,196 | $473,511 Land $202,923 Building $270,588 |
| 2022 | $7,436.00 Homeowner's exemption | $121,510 Land $51,730 Building $69,780 | $364,530 Land $155,190 Building $209,340 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1045 Hemlock Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.
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 | 2 (1979–1983) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Jul 1983 · 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 risk around 1045 Hemlock Ln 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 423 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 |
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