DuPage County property record for 205 S River Rd, Naperville, IL 60540
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,473 sqft · built 2005 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on File |
| Last Sale | $482,500 (Mar 2017) |
| Tax Bill | $14,759 (2025) |
| Deeds & Mortgages | Jun 2020 Mortgage Mar 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-14-413-005 |
| Primary APN | 07-14-413-005 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,473 sqft Living Area |
| Gross Area | 3,572 sqft |
| 1st Floor Area | 1,302 sqft |
| 2nd Floor Area | 1,280 sqft |
| Basement Area | 990 sqft |
| Finished Basement | 891 sqft |
| Unfinished Basement | 99 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Lot Area | 10,890 sqft (0.25 acres) |
| Lot Dimensions | 13 ft deep x 8.5 ft wide |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Water Source | Commercial |
| Street Address | 205 S RIVER RD |
|---|---|
| City | NAPERVILLE |
| State | IL |
| Zip | 60540-4096 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | WILL-O-WAY PARK UNIT 2 |
| Legal Subdivision | WILL-O-WAY PARK |
| Legal Lot Number | 152 |
| Legal Unit | 2 |
| Jurisdiction | DU PAGE IL |
| Township / Civil Division | NAPERVILLE |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 846519 |
205 S River Rd is owned and occupied by an individual who bought it in March 2017.
Source: DuPage County records, as of August 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 205 S RIVER RD, NAPERVILLE, IL 60540-4096 |
| 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.
| Date | Document |
|---|---|
| Jun 19, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Mar 2, 2017 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 2, 2017 · Amount on File |
| Deed Sale | Mar 2, 2017 · Amount on File |
| Prior Sale | Dec 5, 2005 · Amount on File |
| Deed Document Number | 201720961 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DU PAGE IL |
| Property Address | 205 S RIVER RD, NAPERVILLE, IL 60540-4096 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000063536 |
|---|---|
| Date | Jun 19, 2020 |
| Instrument | R2020-063536 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | BRECKSVILLE, OH 44141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jul 1, 2035 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.62% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DU PAGE IL |
| Recording Date | Mar 2, 2017 |
| Property Address | 205 S RIVER RD, NAPERVILLE, IL 60540-4096 |
| Document Number | 0000020961 |
| Map Reference | DOC R67-04418 |
| Instrument Date | Aug 1, 2016 |
| Instrument | R2017-020961 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| Title Company | GLOBAL AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 205 S RIVER RD, NAPERVILLE, IL 60540-4096 |
| Document Number | 0000020962 |
|---|---|
| Date | Mar 2, 2017 |
| Instrument | R2017-020962 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Mar 1, 2037 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.25% |
The 2025 property tax bill for 205 S River Rd was $14,759 with a homeowner's exemption.
Source: DuPage County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | DuPage County |
| County Subdivision | Naperville Township |
| Municipality | Naperville City |
| Unified School District | Naperville Community Unit District 203 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $14,759.00 | $261,130 Land $49,235 Building $211,895 | $783,390 Land $147,705 Building $635,685 |
| 2022 | $12,507.00 Homeowner's exemption | $199,580 Land $37,290 Building $162,290 | $598,740 Land $111,870 Building $486,870 |
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.
FEMA maps place 205 S River 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 10 (0% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 3 (1982–2008) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Sep 2008 · Severe Storms And Flooding |
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.
The area around 205 S River Rd 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 476 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 | 1,000 / 75 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fixed Wireless in parts of the area | 100 / 20 |
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