DuPage County property record for 308 Spruce Dr, Naperville, IL 60540
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,926 sqft · built 1961 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $535,000 (Feb 2026) |
| Tax Bill | $8,551 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Jun 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-25-215-005 |
| Primary APN | 07-25-215-005 |
|---|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 1,926 sqft Living Area |
| 1st Floor Area | 1,302 sqft |
| Basement Area | 624 sqft |
| Finished Basement | 624 sqft |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1961 |
| Architectural Style | Tri-Level |
| Construction Type | Frame |
| Lot Area | 11,761 sqft (0.27 acres) |
| Lot Dimensions | 14.6 ft deep x 7.5 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 308 SPRUCE DR |
|---|---|
| City | NAPERVILLE |
| State | IL |
| Zip | 60540-7525 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | MOSER HIGHLANDS UNIT 11 |
| Legal Subdivision | MOSER HIGHLANDS |
| Legal Block | 6 |
| Legal Lot Number | 1 |
| Legal Unit | 11 |
| Jurisdiction | DU PAGE IL |
| Township / Civil Division | NAPERVILLE |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 846523 |
308 Spruce Dr is owned by two individuals who bought it in February 2026.
Source: DuPage County records, as of August 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2638 DUNRAVEN AVE, NAPERVILLE, IL 60540-1915 |
| 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.
| Date | Document |
|---|---|
| Apr 20, 2026 | Deed of Trust, Mortgage · Line of Credit DUPAGE CREDIT UNION |
| Jun 16, 2022 | Deed of Trust, Mortgage · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC |
| Feb 19, 2026 | Warranty Deed, Transfer · Conventional Mortgage KEY MORTGAGE SERVICES INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 19, 2026 · Amount on File |
| Deed Sale | Feb 19, 2026 · Amount on File |
| Prior Sale | Apr 1, 2016 · Amount on File |
| Deed Document Number | 202611019 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DU PAGE IL |
| Recording Date | Apr 20, 2026 |
| Property Address | 308 SPRUCE DR, NAPERVILLE, IL 60540-7525 |
| Document Number | 0000025403 |
| Instrument Date | Apr 10, 2026 |
| Instrument | 202625403 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety, 298 |
| Address | 308 SPRUCE DR, NAPERVILLE, IL 60540-7525 |
| Document Number | 0000025403, |
|---|---|
| Date | Apr 20, 2026 |
| Instrument | 202625403 |
| Name | DUPAGE CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Apr 30, 2046 |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DU PAGE IL |
| Property Address | 308 SPRUCE DR, NAPERVILLE, IL 60540-7525 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000058235 |
|---|---|
| Date | Jun 16, 2022 |
| Instrument | R2022-058235 |
| Name | WYNDHAM CAPITAL MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28211 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.12% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DU PAGE IL |
| Recording Date | Feb 19, 2026 |
| Property Address | 308 SPRUCE DR, NAPERVILLE, IL 60540-7525 |
| Document Number | 0000011019 |
| Map Reference | DOC 933603 |
| Instrument Date | Feb 11, 2026 |
| Instrument | R2026-011019 |
| Transaction Type | Transfer |
| Record Updated | Mar 11, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $535.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 308 SPRUCE DR, NAPERVILLE, IL 60540-7525 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 308 SPRUCE DR, NAPERVILLE, IL 60540-7525 |
| Document Number | 0000011020 |
|---|---|
| Date | Feb 19, 2026 |
| Instrument | R2026-011020 |
| Name | KEY MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
The 2025 property tax bill for 308 Spruce Dr was $8,551, up 4.8% from the year before.
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 | $8,551.00 (+4.82%) Homeowner's exemption | $154,664 (+9.67%) Land $67,641 Building $87,023 | $463,992 (+9.67%) Land $202,923 Building $261,069 |
| 2024 | $8,158.00 Homeowner's exemption | $141,027 Land $61,677 Building $79,350 | $423,081 Land $185,031 Building $238,050 |
| 2022 | $7,303.00 Homeowner's exemption | $119,040 Land $51,730 Building $67,310 | $357,120 Land $155,190 Building $201,930 |
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 308 Spruce Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.
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 (1979–1983) |
| Claims Outside the SFHA | 1 of 2 |
| 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.
The area around 308 Spruce 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.
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 423 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 | 300 / 20 |
| AT&T DSL · Fixed Wireless in parts of the area | 100 / 20 |
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