1116 Emerald Dr, Naperville, IL 60540 Property Records

DuPage County property record for 1116 Emerald Dr, Naperville, IL 60540

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,974 sqft · built 1961
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Trust Names on File
Last Sale	$325,000 (Apr 2017)
Tax Bill	$8,390 (2025)
Deeds & Mortgages	Oct 2026 Transfer Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-211-004`

Property Details

APN / Parcel Number

Primary APN	`07-25-211-004`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	3 Stories
Building Area	1,974 sqft Living Area
1st Floor Area	1,350 sqft
Basement Area	624 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Tri-Level
Construction Type	Frame
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	11.2 ft deep x 8.5 ft wide
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1116 EMERALD DR
City	NAPERVILLE
State	IL
Zip	60540-7218
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	10
Legal Lot Number	18
Legal Unit	11
Jurisdiction	DU PAGE IL
Township / Civil Division	NAPERVILLE
Census Block Group	2
Census Block	2019
Census Tract	846523

Owner

1116 Emerald Dr is held in a trust since March 2026.

Source: DuPage County records, as of October 22, 2026

Owner of Record	2 Trust Names on File
Mailing Address	905 EMERALD DR, NAPERVILLE, IL 60540-7213
Owner Type	Company
Vesting	Trust

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
Oct 8, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Nov 26, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Apr 27, 2017	Grant Deed, Transfer · Conventional Mortgage HOMEWARD RESID'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 27, 2017 · Amount on File
Deed Sale	Apr 27, 2017 · Amount on File
Prior Sale	May 18, 2010 · Amount on File
Deed Document Number	201740689
Last Transfer Date	Mar 5, 2026
Transfer Doc	0000069286
Record Updated	Oct 29, 2026

October 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DU PAGE IL
Recording Date	Oct 8, 2026
Property Address	1116 EMERALD DR, NAPERVILLE, IL 60540-7218
Document Number	0000069286
Instrument Date	Mar 5, 2026
Instrument	202669286
Transaction Type	Transfer
Record Updated	Oct 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	905 EMERALD DR, NAPERVILLE, IL 60540-7213

November 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DU PAGE IL
Recording Date	Nov 26, 2019
Property Address	1116 EMERALD DR, NAPERVILLE, IL 60540-7218
Document Number	0000110060
Map Reference	DOC 933603
Instrument Date	Nov 15, 2019
Instrument	R2019-110060
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	NATIONAL TITLE SOLUTIONS INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	905 EMERALD DR, NAPERVILLE, IL 60540-7213

Mortgage

Document Number	0000110061
Date	Nov 26, 2019
Instrument	R2019-110061

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4.62%

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	DU PAGE IL
Recording Date	Apr 27, 2017
Property Address	1116 EMERALD DR, NAPERVILLE, IL 60540-7218
Document Number	0000040689
Instrument Date	Apr 4, 2017
Instrument	40689
Transaction Type	Transfer
Record Updated	Sep 9, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$487.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	905 EMERALD DR NAPERVILLE IL 605407213, NAPERVILLE, IL 60540-7213

Mortgage

Document Number	40691
Date	Apr 27, 2017
Instrument	40691

Lender

Name	HOMEWARD RESID'L
Address	ADDISON, TX 75001

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 26, 2047

Interest

Rate Type	Fixed Rate
Rate	5.12%

Tax Assessment & Valuation

The 2025 property tax bill for 1116 Emerald Dr was $8,390.

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	$8,390.00	$151,905 Land $62,832 Building $89,073	$455,715 Land $188,496 Building $267,219
2022	$7,556.00	$116,950 Land $48,040 Building $68,910	$350,850 Land $144,120 Building $206,730

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 1116 Emerald Dr 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

The area around 1116 Emerald Dr 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 450 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

May also be available: T-Mobile.

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