1316 S Naperville Rd, Wheaton, IL 60189 Property Records

DuPage County property record for 1316 S Naperville Rd, Wheaton, IL 60189

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,763 sqft · built 1954
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on File
Last Sale	$235,000 (Jul 2017)
Tax Bill	$5,297 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Jan 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-21-116-031`

Property Details

APN / Parcel Number

Primary APN	`05-21-116-031`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,763 sqft Living Area
Gross Area	2,099 sqft
Basement Area	540 sqft
Finished Basement	540 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Split Level
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,939 sqft (0.32 acres)
Lot Dimensions	19 ft deep x 7.5 ft wide
Garage Type	Attached
Garage Area	336 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water

Location & Zoning

Street Address	1316 S NAPERVILLE RD
City	WHEATON
State	IL
Zip	60189-6420
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	BOEHMS RESUB S 25 FT N 50 FT
Legal Subdivision	BOEHMS RESUB
Legal Lot Number	3
Jurisdiction	DU PAGE IL
Township / Civil Division	MILTON
Census Block Group	1
Census Block	1000
Census Tract	842602

Owner

1316 S Naperville Rd is owned and occupied by two individuals who bought it in July 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	1316 S NAPERVILLE RD, WHEATON, IL 60189-6420
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

Date	Document
Dec 31, 2025	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Jan 31, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jul 7, 2017	Warranty Deed, Transfer · FHA Mortgage BAY EQUITY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2017 · Amount on File
Deed Sale	Jul 7, 2017 · Amount on File
Prior Sale	Mar 21, 2016
Deed Document Number	201768197
Prior Transfer Date	Feb 17, 2016
Prior Transfer Doc	0000026286
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	1316 S NAPERVILLE RD, WHEATON, IL 60189-6420
Transaction Type	Mortgage
Record Updated	Jan 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000084363
Date	Dec 31, 2025
Instrument	R2025-084363

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	1316 S NAPERVILLE RD, WHEATON, IL 60189-6420
Transaction Type	Mortgage
Record Updated	Feb 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1316 S NAPERVILLE RD, WHEATON, IL 60189-6420

Mortgage

Document Number	0000010707
Date	Jan 31, 2022
Instrument	R2022-010707

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	357 Months
Due	Oct 1, 2051

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DU PAGE IL
Recording Date	Jul 7, 2017
Property Address	1316 S NAPERVILLE RD, WHEATON, IL 60189-6420
Document Number	0000068197
Instrument Date	Jun 8, 2017
Instrument	68197
Transaction Type	Transfer
Record Updated	Jul 28, 2017
Title Company	LAKELAND TITLE SERVICES, LAKELAND TITLE SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$352.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1114 FISHER AVE WHEATON IL 60189, WHEATON, IL 60189

Mortgage

Document Number	68198
Date	Jul 7, 2017
Instrument	68198

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	SAUSALITO, CA 94965

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 6, 2047

Interest

Rate Type	Fixed Rate
Rate	4.5%

Tax Assessment & Valuation

The 2025 property tax bill for 1316 S Naperville Rd was $5,297 with a homeowner's exemption, up 2.7% 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	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	$5,297.00 (+2.73%) Homeowner's exemption	$95,455 (+8.46%) Land $37,600 Building $57,855	$286,365 (+8.46%) Land $112,800 Building $173,565
2024	$5,156.00	$88,009 Land $34,667 Building $53,342	$264,027 Land $104,001 Building $160,026
2022	$4,886.00 Homeowner's exemption	$76,560 Land $30,160 Building $46,400	$229,680 Land $90,480 Building $139,200

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 1316 S Naperville Rd in Zone X, an area of minimal flood risk, though there have been 3 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 6 (20% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	3 (1982–2001)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Oct 2001 · 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

Wildfire risk around 1316 S Naperville Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 345 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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