309 W Union Ave, Wheaton, IL 60187 Property Records

DuPage County property record for 309 W Union Ave, Wheaton, IL 60187

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 5,030 sqft · built 2007
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$735,000 (Dec 2018)
Tax Bill	$20,873 (2025)
Deeds & Mortgages	Aug 2019 Line of Credit Aug 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`05-16-120-014`

Property Details

APN / Parcel Number

Primary APN	`05-16-120-014`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	5,030 sqft Living Area
Gross Area	5,674 sqft
Basement Area	1,541 sqft
Finished Basement	1,541 sqft
Fireplaces	3 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Traditional
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	13.2 ft deep x 6.5 ft wide
Garage Type	Attached
Garage Area	644 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	40 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Street Address	309 W UNION AVE
City	WHEATON
State	IL
Zip	60187-5003
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	VALLETTE & BEARDS ADD W 65 FT N 132 FT
Legal Subdivision	VALLETTE & BEARDS ADD
Legal Block	3
Legal Lot Number	7
Jurisdiction	DU PAGE IL
Township / Civil Division	MILTON
Census Block Group	1
Census Block	1025
Census Tract	842500

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	309 W UNION AVE, WHEATON, IL 60187-5003
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2019	Deed of Trust, Mortgage · Line of Credit TCF NATIONAL BANK
Aug 27, 2019	Deed of Trust, Mortgage · ARM COMPASS MORTGAGE INC
Jan 17, 2020	Deed of Trust, Mortgage · Line of Credit TCF NATIONAL BANK
Apr 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage COMPASS MORTGAGE INC
Dec 18, 2018	Warranty Deed, Transfer · ARM COMPASS MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2018 · Amount on Record
Deed Sale	Dec 18, 2018 · Amount on Record
Prior Sale	Nov 30, 2006 · Amount on Record
Deed Document Number	2018115749
Prior Transfer Date	Apr 8, 2002
Prior Transfer Doc	0000116530
Record Updated	Sep 20, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	309 W UNION AVE, WHEATON, IL 60187-5003
Transaction Type	Mortgage
Record Updated	Dec 14, 2021
Title Company	CARRINGTON TTL PARTNERS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000074076
Date	Aug 27, 2019
Instrument	R2019-074076

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 23, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	309 W UNION AVE, WHEATON, IL 60187-5003
Transaction Type	Mortgage
Record Updated	Dec 14, 2021
Title Company	CARRINGTON TTL PARTNERS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000074075
Date	Aug 27, 2019
Instrument	R2019-074075

Lender

Name	COMPASS MORTGAGE INC
Type	Mortgage Company
Address	WARRENVILLE, IL 60555

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Sep 1, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9%
Index	1-Year LIBOR
Max Rate	9%

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	309 W UNION AVE, WHEATON, IL 60187-5003
Transaction Type	Mortgage
Record Updated	Dec 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006476
Date	Jan 17, 2020
Instrument	R2020-006476

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Dec 23, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	309 W UNION AVE, WHEATON, IL 60187-5003
Transaction Type	Mortgage
Record Updated	Dec 14, 2021
Title Company	CARRINGTON TITLE PARTNERS LLC, CARRINGTON TTL PARTNERS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000052956
Date	Apr 5, 2021
Instrument	R2021-052956

Lender

Name	COMPASS MORTGAGE INC
Type	Mortgage Company
Address	WARRENVILLE, IL 60555

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Mar 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Mar 1, 2031
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	8%
Index	Other
Margin	3
Max Rate	8%

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DU PAGE IL
Recording Date	Dec 18, 2018
Property Address	309 W UNION AVE, WHEATON, IL 60187-5003
Document Number	0000115749
Map Reference	DOC8364
Instrument Date	Dec 10, 2018
Instrument	R2018-115749
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	GREATER ILLINOIS TITLE COMPA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$735.00
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 W UNION AVE, WHEATON, IL 60187-5003

Mortgage

Document Number	0000115750
Date	Dec 18, 2018
Instrument	R2018-115750

Lender

Name	COMPASS MORTGAGE INC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Jan 1, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.75%
Index	1-Year LIBOR
Max Rate	9.75%

Mortgage

Document Number	0000115751
Date	Dec 18, 2018
Instrument	R2018-115751

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Dec 23, 2048

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Change Frequency	Monthly

Tax Assessment & Valuation

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	$20,873.00 (+18.58%)	$377,612 (+45.13%) Land $41,900 Building $335,712	$1,132,836 (+45.13%) Land $125,700 Building $1,007,136
2022	$17,603.00 Homeowner's exemption	$260,190 Land $33,610 Building $226,580	$780,570 Land $100,830 Building $679,740

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 6 (20% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	67 (1978–2020)
Claims Outside the SFHA	37 of 67
Most Recent Claim	May 2020 · rainfall accumulation
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 14 claims Severe Storms And Flooding, Jul 2010 · 16 claims Severe Storms & Flooding, Aug 1987 · 8 claims

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	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 362 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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