DuPage County property record for 109 Pepperidge Rd, Naperville, IL 60540
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,476 sqft · built 1973 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on File |
| Last Sale | $375,000 (Aug 2019) |
| Tax Bill | $11,563 (2025) |
| Deeds & Mortgages | Feb 2022 Line of Credit Aug 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-14-402-009 |
| Primary APN | 07-14-402-009 |
|---|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,476 sqft Living Area |
| Gross Area | 3,694 sqft |
| 1st Floor Area | 1,258 sqft |
| 2nd Floor Area | 1,218 sqft |
| Basement Area | 1,218 sqft |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Construction Type | Frame |
| Lot Area | 10,890 sqft (0.25 acres) |
| Lot Dimensions | 13.1 ft deep x 8.6 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 109 PEPPERIDGE RD |
|---|---|
| City | NAPERVILLE |
| State | IL |
| Zip | 60540-4121 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | BRUSH HILL UNIT #1 |
| Legal Subdivision | BRUSH HILL |
| Legal Lot Number | 9 |
| Legal Unit | 1 |
| Jurisdiction | DU PAGE IL |
| Township / Civil Division | NAPERVILLE |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 846504 |
109 Pepperidge Rd is owned and occupied by an individual who bought it in August 2019.
Source: DuPage County records, as of August 17, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 109 PEPPERIDGE RD, NAPERVILLE, IL 60540-4121 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Feb 24, 2022 | Deed of Trust, Mortgage · Line of Credit CREDIT UNION 1 |
| Aug 12, 2019 | Deed, Transfer · FHA Mortgage ARC HOME LOANS LLC |
| Feb 12, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 12, 2019 · Amount on File |
| Deed Sale | Aug 12, 2019 · Amount on File |
| Deed Document Number | 201968273 |
| Prior Transfer Date | Jan 9, 2019 |
| Prior Transfer Doc | 0000010437 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DU PAGE IL |
| Property Address | 109 PEPPERIDGE RD, NAPERVILLE, IL 60540-4121 |
| Transaction Type | Mortgage |
| Record Updated | Mar 14, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000020420 |
|---|---|
| Date | Feb 24, 2022 |
| Instrument | R2022-020420 |
| Name | CREDIT UNION 1 |
|---|---|
| Type | Credit Union |
| Address | LOMBARD, IL 60148 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Feb 28, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | DU PAGE IL |
| Recording Date | Aug 12, 2019 |
| Property Address | 109 PEPPERIDGE RD, NAPERVILLE, IL 60540-4121 |
| Document Number | 0000068273 |
| Map Reference | DOC R69-51984 |
| Instrument Date | Jul 8, 2019 |
| Instrument | R2019-068273 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $375.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1021 E OLIVE ST, 1021, ARLINGTON HEIGHTS, IL 60004-5014 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 109 PEPPERIDGE RD, NAPERVILLE, IL 60540-4121 |
| Document Number | 0000068274 |
|---|---|
| Date | Aug 12, 2019 |
| Instrument | R2019-068274 |
| Name | ARC HOME LOANS LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.75% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | DU PAGE IL |
| Recording Date | Feb 12, 2019 |
| Property Address | 109 PEPPERIDGE RD, NAPERVILLE, IL 60540-4121 |
| Document Number | 0000010437 |
| Instrument Date | Jan 9, 2019 |
| Instrument | 10437 |
| Transaction Type | Transfer |
| Record Updated | Feb 27, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 109 PEPPERIDGE RD NAPERVILLE IL 605404121, NAPERVILLE, IL 60540-4121 |
The 2025 property tax bill for 109 Pepperidge Rd was $11,563 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 | $11,563.00 | $206,317 Land $65,176 Building $141,141 | $618,951 Land $195,528 Building $423,423 |
| 2022 | $8,417.00 Homeowner's exemption | $136,270 Land $50,310 Building $85,960 | $408,810 Land $150,930 Building $257,880 |
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.
FEMA maps place 109 Pepperidge Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2001.
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 |
| Nearby Flood Claims | 1 (2001) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 2001 · 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.
The area around 109 Pepperidge Rd 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.
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 476 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 | 1,000 / 75 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fixed Wireless in parts of the area | 100 / 20 |
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