11 S River Rd, Naperville, IL 60540 Property Records

DuPage County property record for 11 S River Rd, Naperville, IL 60540

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,288 sqft · built 1976
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$240,000 (May 2013)
Tax Bill	$7,852 (2025)
Deeds & Mortgages	Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-14-418-005`

Property Details

APN / Parcel Number

Primary APN	`07-14-418-005`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,288 sqft Living Area
Gross Area	2,576 sqft
1st Floor Area	1,288 sqft
Basement Area	1,288 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	12.5 ft deep x 8 ft wide
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Street Address	11 S RIVER RD
City	NAPERVILLE
State	IL
Zip	60540-4240
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	WILL-O-WAY PK UNIT 7
Legal Subdivision	WILL-O-WAY PK
Legal Lot Number	495
Legal Unit	7
Jurisdiction	DU PAGE IL
Township / Civil Division	NAPERVILLE
Census Block Group	4
Census Block	4012
Census Tract	846504

Owner

11 S River Rd is owned and occupied by an individual who bought it in May 2013.

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

Owner of Record	Individual Name on File
Mailing Address	11 S RIVER RD, NAPERVILLE, IL 60540-4240
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 17, 2013 · Amount on File
Deed Sale	May 17, 2013 · Amount on File
Prior Sale	Apr 24, 2007 · Amount on File
Deed Document Number	201372296
Prior Transfer Date	Jan 20, 1998
Prior Transfer Doc	0000090670
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	11 S RIVER RD, NAPERVILLE, IL 60540-4240
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000121660
Date	Oct 20, 2020
Instrument	R2020-121660

Lender

Name	GOLD COAST BANK
Type	Bank
Address	CHICAGO, IL 60610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.87%

Tax Assessment & Valuation

The 2025 property tax bill for 11 S River Rd was $7,852 with a homeowner's exemption, up 4.9% from the year before.

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	$7,852.00 (+4.88%) Homeowner's exemption	$142,667 (+9.67%) Land $53,300 Building $89,367	$428,001 (+9.67%) Land $159,900 Building $268,101
2024	$7,487.00	$130,087 Land $48,600 Building $81,487	$390,261 Land $145,800 Building $244,461
2022	$6,777.00 Homeowner's exemption	$110,900 Land $41,140 Building $69,760	$332,700 Land $123,420 Building $209,280

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 11 S River Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2017 · other causes

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 11 S River 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.

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 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