1209 Emerald Dr, Naperville, IL 60540 Property Records

DuPage County property record for 1209 Emerald Dr, Naperville, IL 60540

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,884 sqft · built 1963
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on File
Last Sale	$331,000 (Jun 2021)
Tax Bill	$6,901 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-25-202-009`

Property Details

APN / Parcel Number

Primary APN	`07-25-202-009`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	3 Stories
Building Area	1,884 sqft Living Area
1st Floor Area	1,236 sqft
Basement Area	648 sqft
Finished Basement	648 sqft

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Tri-Level
Construction Type	Frame
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	10 ft deep x 10.2 ft wide
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1209 EMERALD DR
City	NAPERVILLE
State	IL
Zip	60540-7219
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	11
Legal Lot Number	8
Legal Unit	11
Jurisdiction	DU PAGE IL
Township / Civil Division	NAPERVILLE
Census Block Group	1
Census Block	1011
Census Tract	846523

Owner

1209 Emerald Dr is owned and occupied by two individuals who bought it in June 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	1209 EMERALD DR, NAPERVILLE, IL 60540-7219
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2026	Deed of Trust, Mortgage · Line of Credit BMO BANK NA
Jun 9, 2021	Deed, Transfer · Conventional Mortgage FIRST FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 2021 · Amount on File
Deed Sale	Jun 9, 2021 · Amount on File
Prior Sale	Dec 8, 2003 · Amount on File
Deed Document Number	202188740
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	1209 EMERALD DR, NAPERVILLE, IL 60540-7219
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1209 EMERALD DR, NAPERVILLE, IL 60540-7219

Mortgage

Document Number	0000017200
Date	Mar 18, 2026
Instrument	R2026-017200

Lender

Name	BMO BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 16, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	DU PAGE IL
Recording Date	Jun 9, 2021
Property Address	1209 EMERALD DR, NAPERVILLE, IL 60540-7219
Document Number	0000088740
Map Reference	DOC 933603
Instrument Date	May 14, 2021
Instrument	R2021-088740
Transaction Type	Transfer
Record Updated	Aug 5, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$331.00
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	1209 EMERALD DR, NAPERVILLE, IL 60540-7219

Mortgage

Document Number	0000088741
Date	Jun 9, 2021
Instrument	R2021-088741

Lender

Name	FIRST FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 1209 Emerald Dr was $6,901 with a homeowner's exemption, up 5% 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	$6,901.00 (+4.96%) Homeowner's exemption	$126,360 (+9.67%) Land $48,357 Building $78,003	$379,080 (+9.67%) Land $145,071 Building $234,009
2024	$6,575.00	$115,218 Land $44,093 Building $71,125	$345,654 Land $132,279 Building $213,375
2022	$5,901.00 Homeowner's exemption	$97,340 Land $36,970 Building $60,370	$292,020 Land $110,910 Building $181,110

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 1209 Emerald Dr in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1982.

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	7 (1982–2015)
Claims Outside the SFHA	4 of 7
Most Recent Claim	Jun 2015 · other causes
Claims by Event	Severe Storms And Flooding, Jul 1996 · 2 claims

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 1209 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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