312 N West St, Wheaton, IL 60187 Property Records

DuPage County property record for 312 N West St, Wheaton, IL 60187

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,892 sqft · built 1874
Lot Size	0.45 acres (19,602 sqft)
Owner	2 Individual Names on File
Last Sale	$520,000 (Apr 2020)
Tax Bill	$22,200 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Dec 2020 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-17-230-005`

Property Details

APN / Parcel Number

Primary APN	`05-17-230-005`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	4,892 sqft Living Area
Basement Area	1,494 sqft
Finished Basement	1,494 sqft

Exterior

Year Built	Built 1874
Effective Year Built	Effective 1874
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	19,602 sqft (0.45 acres)
Lot Dimensions	19.5 ft deep x 9.8 ft wide
Garage Type	Detached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	372 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water

Location & Zoning

Street Address	312 N WEST ST
City	WHEATON
State	IL
Zip	60187-4942
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	CO CLKS ASSMT DIV S 1/2 NE 1/4 17 39 10 ETC S 98 1/2 FT OF N 153 1/2 FT E 1/2 AND 1/2 VAC ALLEY ADJ ON W
Legal Subdivision	CO CLKS ASSMT
Legal Block	3
Jurisdiction	DU PAGE IL
Township / Civil Division	MILTON
Census Block Group	1
Census Block	1032
Census Tract	842500

Owner

312 N West St is owned and occupied by two individuals who bought it in April 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	312 N WEST ST, WHEATON, IL 60187-4942
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage CIBC BANK USA
Dec 16, 2020	Deed of Trust, Mortgage · Construction Mortgage CIBC BANK USA
Apr 1, 2020	Grant Deed, Transfer · Conventional with PMI LAKE MI CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2020 · Amount on File
Deed Sale	Apr 1, 2020 · Amount on File
Deed Document Number	202031752
Prior Transfer Date	Mar 31, 2015
Prior Transfer Doc	0000042992
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	312 N WEST ST, WHEATON, IL 60187-4942
Transaction Type	Mortgage
Record Updated	Dec 14, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000147495
Date	Oct 5, 2021
Instrument	R2021-147495

Lender

Name	CIBC BANK USA
Type	Bank
Address	WORTH, IL 60482

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	357 Months
Due	Jul 1, 2051

Interest

Rate Type	Fixed Rate

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	312 N WEST ST, WHEATON, IL 60187-4942
Transaction Type	Mortgage
Record Updated	Dec 14, 2021
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000154880
Date	Dec 16, 2020
Instrument	R2020-154880

Lender

Name	CIBC BANK USA
Type	Bank
Address	WORTH, IL 60482

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	356 Months
Due	Aug 27, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Aug 27, 2030
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	6.12%
Index	1-Year LIBOR
Max Rate	9.12%

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	DU PAGE IL
Recording Date	Apr 1, 2020
Property Address	312 N WEST ST, WHEATON, IL 60187-4942
Document Number	0000031752
Instrument Date	Mar 14, 2020
Instrument	31752
Transaction Type	Transfer
Record Updated	May 18, 2020
Title Company	ATTORNEY'S TITLE, ATTORNEYS TITLE GUARANTY FUND

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$780.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	312 N WEST ST WHEATON IL 601874942, WHEATON, IL 60187-4942

Mortgage

Document Number	31754
Date	Apr 1, 2020
Instrument	31754

Lender

Name	LAKE MI CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 31, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 312 N West St was $22,200 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	$22,200.00	$399,517 Land $82,187 Building $317,330	$1,198,551 Land $246,561 Building $951,990
2022	$20,044.00 Homeowner's exemption	$320,440 Land $65,920 Building $254,520	$961,320 Land $197,760 Building $763,560

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 312 N West St in Zone X, an area of minimal flood risk, though there have been 67 flood claims nearby since 1978.

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

The area around 312 N West 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 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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