1120 S Prospect St, Wheaton, IL 60189 Property Records

DuPage County property record for 1120 S Prospect St, Wheaton, IL 60189

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,672 sqft · built 1977
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$314,000 (Nov 2018)
Tax Bill	$7,156 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Jun 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-22-118-023`

Property Details

APN / Parcel Number

Primary APN	`05-22-118-023`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,672 sqft Living Area
1st Floor Area	1,258 sqft
Basement Area	414 sqft
Finished Basement	414 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Raised Ranch
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	15 ft deep x 5 ft wide
View / Lot	Corner
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1120 S PROSPECT ST
City	WHEATON
State	IL
Zip	60189-6830
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	WHEATON ESTS
Legal Subdivision	WHEATON ESTS
Legal Block	23
Legal Lot Number	23
Jurisdiction	DU PAGE IL
Township / Civil Division	MILTON
Census Block Group	1
Census Block	1016
Census Tract	842703

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1120 S PROSPECT ST, WHEATON, IL 60189-6830
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage THE FEDERAL SAVINGS BANK
Jun 30, 2017	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
Nov 7, 2018	Warranty Deed, Transfer · Conventional Mortgage THE FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 7, 2018 · Amount on Record
Deed Sale	Nov 7, 2018 · Amount on Record
Prior Sale	Apr 17, 1995 · Amount on Record
Deed Document Number	2018104103
Last Transfer Date	Jan 31, 2022
Transfer Doc	0000027565
Record Updated	Sep 20, 2026

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DU PAGE IL
Recording Date	Mar 16, 2022
Property Address	1120 S PROSPECT ST, WHEATON, IL 60189-6830
Document Number	0000027565
Map Reference	DOC 182391
Instrument Date	Jan 31, 2022
Instrument	R2022-027565
Transaction Type	Transfer
Record Updated	Apr 1, 2022
Title Company	GREATER ILLINOIS TITLE COMPANY, GREATER ILLINOIS TITLE

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
Address	1120 S PROSPECT ST, WHEATON, IL 60189-6830

Mortgage

Document Number	0000027566
Date	Mar 16, 2022
Instrument	R2022-027566

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2052

Interest

Rate Type	Fixed Rate
Rate	3.62%

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	1120 S PROSPECT ST, WHEATON, IL 60189-6830
Transaction Type	Mortgage
Record Updated	Dec 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000065880
Date	Jun 30, 2017
Instrument	R2017-065880

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	420 Months
Due	Jun 19, 2052

Interest

Rate Type	Adjustable Rate
Rate	4%
Change Frequency	Monthly

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DU PAGE IL
Recording Date	Nov 7, 2018
Property Address	1120 S PROSPECT ST, WHEATON, IL 60189-6830
Document Number	0000104103
Map Reference	DOC182391
Instrument Date	Oct 26, 2018
Instrument	R2018-104103
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	PLYMOUTH TITLE GUARANTY CORP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,256.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1120 S PROSPECT ST, WHEATON, IL 60189-6830

Mortgage

Document Number	0000104104
Date	Nov 7, 2018
Instrument	R2018-104104

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2048

Interest

Rate Type	Fixed Rate
Rate	5%

Tax Assessment & Valuation

Source: DuPage County assessment roll, as of August 17, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,156.00 (+8.57%)	$126,150 (+24.68%) Land $40,098 Building $86,052	$378,450 (+24.68%) Land $120,294 Building $258,156
2022	$6,591.00 Homeowner's exemption	$101,180 Land $32,160 Building $69,020	$303,540 Land $96,480 Building $207,060

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

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 6 (20% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	5 (1978–1990)
Claims Outside the SFHA	1 of 5
Most Recent Claim	May 1990 · river or lake flooding

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

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	WHEATON serves 53,970 people · EPA ID IL0431050
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, 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 454 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Astound Broadband, AT&T, Verizon.

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