1804 Downing Ct, Naperville, IL 60563 Property Records

DuPage County property record for 1804 Downing Ct, Naperville, IL 60563

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,974 sqft · built 1979
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on File
Last Sale	$280,000 (Oct 2012)
Tax Bill	$8,582 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-10-302-008`

Property Details

APN / Parcel Number

Primary APN	`07-10-302-008`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,974 sqft Living Area
Gross Area	2,976 sqft
1st Floor Area	1,002 sqft
2nd Floor Area	972 sqft
Basement Area	1,002 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Traditional
Construction Type	Frame
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	9.9 ft deep x 7.2 ft wide
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Street Address	1804 DOWNING CT
City	NAPERVILLE
State	IL
Zip	60563-2354
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	BROOKDALE SUBN UNIT NO THREE PHASE-ONE ALL
Legal Subdivision	BROOKDALE SUBN
Legal Lot Number	38
Legal Unit	3/PH1
Jurisdiction	DU PAGE IL
Township / Civil Division	NAPERVILLE
Census Block Group	2
Census Block	2001
Census Tract	846412

Owner

1804 Downing Ct is owned and occupied by two individuals who bought it in October 2012.

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

Owner of Record	2 Individual Names on File
Mailing Address	1804 DOWNING CT, NAPERVILLE, IL 60563-2354
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
Jul 8, 2026	Deed of Trust, Mortgage · Line of Credit FIRST NATIONS BANK
Apr 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 9, 2012 · Amount on File
Deed Sale	Oct 9, 2012 · Amount on File
Prior Sale	Feb 3, 2012 · Amount on File
Deed Document Number	2012140989
Prior Transfer Date	Mar 12, 2012
Prior Transfer Doc	0000049966
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Recording Date	Jul 8, 2026
Property Address	1804 DOWNING CT, NAPERVILLE, IL 60563-2354
Document Number	0000046211
Instrument Date	Jul 2, 2026
Instrument	202646211
Transaction Type	Mortgage
Record Updated	Jul 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	1804 DOWNING CT, NAPERVILLE, IL 60563-2354

Mortgage

Document Number	0000046211,
Date	Jul 8, 2026
Instrument	202646211

Lender

Name	FIRST NATIONS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	24 Months
Due	Jul 2, 2028

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	1804 DOWNING CT, NAPERVILLE, IL 60563-2354
Transaction Type	Mortgage
Record Updated	Aug 5, 2022
Title Company	CITYWIDE TITLE CORPORATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000063738
Date	Apr 22, 2021
Instrument	R2021-063738

Lender

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

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 1804 Downing Ct was $8,582 with a homeowner's exemption, up 4.2% 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	Indian Prairie Community Unit School District 204 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,582.00 (+4.15%) Homeowner's exemption	$153,565 (+9.67%) Land $46,038 Building $107,527	$460,695 (+9.67%) Land $138,114 Building $322,581
2024	$8,240.00	$140,025 Land $41,979 Building $98,046	$420,075 Land $125,937 Building $294,138
2022	$8,076.00 Homeowner's exemption	$124,180 Land $36,940 Building $87,240	$372,540 Land $110,820 Building $261,720

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 1804 Downing Ct in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 1, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 1804 Downing Ct 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 276 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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