128 Split Oak Rd, Naperville, IL 60565 Property Records

DuPage County property record for 128 Split Oak Rd, Naperville, IL 60565

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,648 sqft · built 1979
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Last Sale	$445,000 (May 2023)
Tax Bill	$9,581 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-31-320-032`

Property Details

APN / Parcel Number

Primary APN	`08-31-320-032`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,648 sqft Living Area
Gross Area	3,848 sqft
1st Floor Area	1,432 sqft
2nd Floor Area	1,216 sqft
Basement Area	1,200 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Wood Siding
Lot Area	12,197 sqft (0.28 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Electric

Location & Zoning

Street Address	128 SPLIT OAK RD
City	NAPERVILLE
State	IL
Zip	60565-2205
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	RESUB OF OLD FARM AT NAPERVILLE UNIT THREE-A ALL
Legal Subdivision	OLD FARM AT NAPERVILLE
Legal Block	13
Legal Lot Number	2
Jurisdiction	DU PAGE IL
Township / Civil Division	LISLE
Census Block Group	1
Census Block	1006
Census Tract	846207

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	2 Individual Names on Record
Mailing Address	10 S WESTERN AVE, AURORA, IL 60506-4616
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2023 · Amount on Record
Deed Sale	May 3, 2023 · Amount on Record
Prior Sale	Dec 1, 2009 · Amount on Record
Deed Document Number	202326917
Prior Transfer Date	Nov 20, 2009
Prior Transfer Doc	0000030777
Record Updated	Sep 20, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DU PAGE IL
Recording Date	May 3, 2023
Property Address	128 SPLIT OAK RD, NAPERVILLE, IL 60565-2205
Document Number	0000026917
Map Reference	DOC R77-116450
Instrument Date	Apr 11, 2023
Instrument	R2023-026917
Transaction Type	Transfer
Record Updated	May 19, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$445.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	128 SPLIT OAK RD, NAPERVILLE, IL 60565-2205

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	128 SPLIT OAK RD, NAPERVILLE, IL 60565-2205

Mortgage

Document Number	0000026918
Date	May 3, 2023
Instrument	R2023-026918

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2038

Interest

Rate Type	Fixed Rate
Rate	6%

Tax Assessment & Valuation

Source: DuPage County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	DuPage County
County Subdivision	Lisle 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	$9,581.00 (+17.85%)	$172,168 (+30.81%) Land $69,733 Building $102,435	$516,504 (+30.81%) Land $209,199 Building $307,305
2022	$8,130.00 Homeowner's exemption	$131,620 Land $53,310 Building $78,310	$394,860 Land $159,930 Building $234,930

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	112 units insured incl. 106 condo units
Nearby Flood Claims	8 (1996)
Claims Outside the SFHA	3 of 8
Most Recent Claim	Jul 1996 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jul 1996 · 8 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

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 325 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20