232 James Ln, Naperville, IL 60540 Property Records

DuPage County property record for 232 James Ln, Naperville, IL 60540

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,920 sqft · built 1973
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$342,500 (Mar 2015)
Tax Bill	$9,696 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Nov 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-17-309-001`

Property Details

APN / Parcel Number

Primary APN	`08-17-309-001`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,920 sqft Living Area
Gross Area	2,730 sqft
1st Floor Area	1,083 sqft
2nd Floor Area	837 sqft
Basement Area	810 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Exterior Material	Wood Siding
Lot Area	10,019 sqft (0.23 acres)
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	232 JAMES LN
City	NAPERVILLE
State	IL
Zip	60540-5617
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	KINGS TERRACE UNIT NO 2
Legal Subdivision	KINGS TERRACE
Legal Block	6
Legal Lot Number	11
Legal Unit	2
Jurisdiction	DU PAGE IL
Township / Civil Division	LISLE
Census Block Group	1
Census Block	1010
Census Tract	846208

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	232 JAMES LN, NAPERVILLE, IL 60540-5617
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2025	Deed of Trust, Mortgage · Line of Credit FIRST AMERICAN BANK
Nov 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CORP
Oct 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage INLAND BANK & TRUST
Mar 30, 2020	Deed of Trust, Mortgage · Conventional with PMI INLAND BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 13, 2015 · Amount on Record
Deed Sale	Mar 13, 2015 · Amount on Record
Deed Document Number	201524853
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	232 JAMES LN, NAPERVILLE, IL 60540-5617
Transaction Type	Mortgage
Record Updated	Nov 4, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000065747
Date	Oct 17, 2025
Instrument	R2025-065747

Lender

Name	FIRST AMERICAN BANK
Type	Bank
Address	HAMPSHIRE, IL 60140

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Nov 1, 2035

Interest

Rate Type	Adjustable Rate
Rate	7.25%
Change Frequency	Monthly

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	232 JAMES LN, NAPERVILLE, IL 60540-5617
Transaction Type	Mortgage
Record Updated	Dec 14, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000120617
Date	Nov 27, 2017
Instrument	R2017-120617

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2037

Interest

Rate Type	Fixed Rate
Rate	4.37%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	232 JAMES LN, NAPERVILLE, IL 60540-5617
Transaction Type	Mortgage
Record Updated	Dec 14, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000125183
Date	Oct 23, 2020
Instrument	R2020-125183

Lender

Name	INLAND BANK & TRUST
Type	Bank
Address	GENEVA, IL 60134

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.12%

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	232 JAMES LN, NAPERVILLE, IL 60540-5617
Document Number	0000042583
Instrument Date	Mar 30, 2020
Transaction Type	Mortgage
Record Updated	Jun 4, 2020
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	232 JAMES LN NAPERVILLE IL 605405617, NAPERVILLE, IL 60540-5617

Mortgage

Document Number	0000042583
Date	Apr 30, 2020
Instrument	42583

Lender

Name	INLAND BK&TR
Type	Bank
Address	GENEVA, IL 60134

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 29, 2050

Interest

Rate Type	Fixed Rate
Rate	4.37%

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	$9,696.00 (+13.92%)	$174,152 (+26.65%) Land $82,159 Building $91,993	$522,456 (+26.65%) Land $246,477 Building $275,979
2022	$8,511.00 Homeowner's exemption	$137,510 Land $64,870 Building $72,640	$412,530 Land $194,610 Building $217,920

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (1982–1983)
Most Recent Claim	Jul 1983 · 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

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 404 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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