309 S Prospect St, Wheaton, IL 60187 Property Records

DuPage County property record for 309 S Prospect St, Wheaton, IL 60187

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,433 sqft · built 1930
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$488,500 (Feb 2021)
Tax Bill	$10,187 (2025)
Deeds & Mortgages	Feb 2018 Line of Credit Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-15-315-002`

Property Details

APN / Parcel Number

Primary APN	`05-15-315-002`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,433 sqft Living Area
Gross Area	2,649 sqft
Basement Area	808 sqft
Finished Basement	808 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Construction Type	Frame
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	216 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	112 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	309 S PROSPECT ST
City	WHEATON
State	IL
Zip	60187-5907
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	MC INTOSH LORRAINE RD SUB
Legal Subdivision	MC INTOSH LORRAINE RD SUB
Legal Block	11
Legal Lot Number	14
Jurisdiction	DU PAGE IL
Township / Civil Division	MILTON
Census Block Group	2
Census Block	2008
Census Tract	842400

Owner

309 S Prospect St is owned and occupied by an individual who bought it in February 2021.

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

Owner of Record	Individual Name on File
Mailing Address	309 S PROSPECT ST, WHEATON, IL 60187-5907
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
Feb 28, 2018	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF OMAHA
Feb 24, 2021	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 24, 2021 · Amount on File
Deed Sale	Feb 24, 2021 · Amount on File
Prior Sale	Apr 26, 2016 · Amount on File
Deed Document Number	202129782
Prior Transfer Date	May 8, 2020
Prior Transfer Doc	0000054786
Record Updated	Sep 20, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	309 S PROSPECT ST, WHEATON, IL 60187-5907
Transaction Type	Mortgage
Record Updated	Dec 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017406
Date	Feb 28, 2018
Instrument	R2018-017406

Lender

Name	FIRST NATIONAL BANK OF OMAHA
Type	Bank
Address	DEKALB, IL 60115

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DU PAGE IL
Recording Date	Feb 24, 2021
Property Address	309 S PROSPECT ST, WHEATON, IL 60187-5907
Document Number	0000029782
Map Reference	DOC 202765
Instrument Date	Dec 23, 2020
Instrument	R2021-029782
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$488.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	309 S PROSPECT ST, WHEATON, IL 60187-5907

Mortgage

Document Number	0000029783
Date	Feb 24, 2021
Instrument	R2021-029783

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.62%

Tax Assessment & Valuation

The 2025 property tax bill for 309 S Prospect St was $10,187 with a homeowner's exemption.

Source: DuPage County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	DuPage County
County Subdivision	Milton Township
Municipality	Wheaton City
Unified School District	Community Unit School District 200 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,187.00	$176,192 Land $33,181 Building $143,011	$528,576 Land $99,543 Building $429,033
2022	$9,371.00 Homeowner's exemption	$141,320 Land $26,620 Building $114,700	$423,960 Land $79,860 Building $344,100

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 309 S Prospect St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2008.

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
Nearby Flood Claims	1 (2008)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2008 · 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

The area around 309 S Prospect St 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	WHEATON serves 53,970 people · EPA ID IL0431050
Water Source	Purchased surface water from DU PAGE WATER COMMISSION
Last State Inspection	Jun 2024
Lead	2 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 596 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband, Verizon.

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