1909 Montclair Dr, Naperville, IL 60565 Property Records

DuPage County property record for 1909 Montclair Dr, Naperville, IL 60565

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 4,084 sqft · built 1993
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Company Names on File
Last Sale	$903,000 (Apr 2026)
Tax Bill	$15,131 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Apr 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-33-301-046`

Property Details

APN / Parcel Number

Primary APN	`08-33-301-046`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,084 sqft Living Area
Gross Area	4,508 sqft
1st Floor Area	1,384 sqft
2nd Floor Area	1,640 sqft
Basement Area	1,324 sqft
Finished Basement	900 sqft
Unfinished Basement	424 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Lot Area	10,019 sqft (0.23 acres)
Garage Area	1,023 sqft
Parking Spaces	5 Parking Spaces

Location & Zoning

Street Address	1909 MONTCLAIR DR
City	NAPERVILLE
State	IL
Zip	60565-9259
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	UNIVERSITY HEIGHTS UNIT 11 ALL LOT 1523
Legal Subdivision	UNIVERSITY HEIGHTS
Legal Lot Number	1523
Legal Unit	11
Jurisdiction	DU PAGE IL
Township / Civil Division	LISLE
Census Block Group	3
Census Block	3008
Census Tract	846304

Owner

1909 Montclair Dr is owned by a company that bought it in April 2026.

Source: DuPage County records, as of October 2, 2026

Owner of Record	2 Company Names on File
Mailing Address	1909 MONTCLAIR DR, NAPERVILLE, IL 60565-9259
Owner Type	Company
Vesting	Life Tenant

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
Sep 22, 2026	Deed of Trust, Mortgage · Line of Credit US BANK
Apr 13, 2026	Deed, Transfer · Conventional Mortgage WINTRUST MORTGAGE
Nov 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 13, 2026 · Amount on File
Deed Sale	Apr 13, 2026 · Amount on File
Prior Sale	Jan 15, 2014 · Amount on File
Deed Document Number	202623646
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Recording Date	Sep 22, 2026
Property Address	1909 MONTCLAIR DR, NAPERVILLE, IL 60565-9259
Document Number	0000065242
Instrument Date	Sep 14, 2026
Instrument	202665242
Transaction Type	Mortgage
Record Updated	Oct 2, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust, 212
Address	1909 MONTCLAIR DR, NAPERVILLE, IL 60565-9259

Mortgage

Document Number	0000065242,
Date	Sep 22, 2026
Instrument	202665242

Lender

Name	US BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 23, 2056

Interest

Rate	6.85%
Max Rate	-1%

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	DU PAGE IL
Recording Date	Apr 13, 2026
Property Address	1909 MONTCLAIR DR, NAPERVILLE, IL 60565-9259
Document Number	0000023646
Instrument Date	Mar 30, 2026
Instrument	2026.23646
Transaction Type	Transfer
Record Updated	May 4, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$136,804.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant
Address	1909 MONTCLAIR DR, NAPERVILLE, IL 60565-9259

Mortgage

Document Number	0000023647,
Date	Apr 13, 2026
Instrument	2026.23647

Lender

Name	WINTRUST MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	1909 MONTCLAIR DR, NAPERVILLE, IL 60565-9259
Transaction Type	Mortgage
Record Updated	Dec 14, 2021
Title Company	FIDELITY NATIONAL TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000128911
Date	Nov 2, 2020
Instrument	R2020-128911

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company
Address	AURORA, IL 60506

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Nov 1, 2040

Interest

Rate Type	Fixed Rate
Rate	2.62%

Tax Assessment & Valuation

The 2025 property tax bill for 1909 Montclair Dr was $15,131, up 3.7% 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	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	$15,131.00 (+3.67%) Homeowner's exemption	$267,277 (+8.53%) Land $75,500 Building $191,777	$801,831 (+8.53%) Land $226,500 Building $575,331
2024	$14,596.00	$246,270 Land $69,566 Building $176,704	$738,810 Land $208,698 Building $530,112
2022	$13,080.00 Homeowner's exemption	$208,110 Land $58,790 Building $149,320	$624,330 Land $176,370 Building $447,960

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 1909 Montclair Dr in Zone X, an area of minimal flood risk.

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	1 in force

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 1909 Montclair 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 479 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
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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