3122 Reflection Dr, Naperville, IL 60564 Property Records

Will County property record for 3122 Reflection Dr, Naperville, IL 60564

Property Summary

Property Type	Townhouse
Details	2.5 ba · 2,012 sqft · built 1999
Lot Size	0.1 acres (4,334 sqft)
Owner	Company Name on Record
Last Sale	$265,000 (Oct 2013)
Tax Bill	$7,990 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-01-09-203-008`

Property Details

APN / Parcel Number

Primary APN	`07-01-09-203-008`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,012 sqft Total Area
1st Floor Area	851 sqft
2nd Floor Area	1,161 sqft
Basement Area	851 sqft
Unfinished Basement	851 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Townhouse
Construction Type	Frame
Lot Area	4,334 sqft (0.1 acres)
Garage Area	454 sqft

Location & Zoning

Street Address	3122 REFLECTION DR
City	NAPERVILLE
State	IL
Zip	60564-4635
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LOT 170 IN THE SIGNATURE CLUB AT CLEARWATER, A SUB OF PRT OF THE E1/2 NE1/4 OF SEC 9, T37N-R9E.
Legal Range	09E
Legal Township	37N
Legal Section	09
Legal Subdivision	SIGNATURE CLUB @ CLEARWATER
Legal Lot Number	170
Jurisdiction	WILL IL
Township / Civil Division	WHEATLAND
Census Block Group	1
Census Block	1002
Census Tract	880323

Owner

Source: Will County records, as of August 24, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	3122 REFLECTION DR, NAPERVILLE, IL 60564-4635
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Oct 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC
Sep 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 15, 2013 · Amount on Record
Deed Sale	Oct 15, 2013 · Amount on Record
Prior Sale	Oct 26, 1999 · Amount on Record
Deed Document Number	2013119696
Last Transfer Date	Oct 25, 2024
Transfer Doc	0000058559
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	3122 REFLECTION DR, NAPERVILLE, IL 60564-4635
Transaction Type	Mortgage
Record Updated	Jun 23, 2021
Title Company	CARRINGTON TITLE PARTNERS LLC, CARRINGTON TTL PARTNERS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000064630
Date	Jun 11, 2021
Instrument	R2021064630

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2036

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	3122 REFLECTION DR, NAPERVILLE, IL 60564-4635
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CARRINGTON TTL PARTNERS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000087201
Date	Oct 8, 2020
Instrument	R2020087201

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company
Address	LEWISVILLE, TX 75057

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2035

Interest

Rate Type	Fixed Rate
Rate	2.62%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	3122 REFLECTION DR, NAPERVILLE, IL 60564-4635
Document Number	0000069126
Instrument Date	Sep 25, 2019
Transaction Type	Mortgage
Record Updated	Oct 21, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3122 REFLECTION DR NAPERVILLE IL 605644635, NAPERVILLE, IL 60564-4635

Mortgage

Document Number	0000069126
Date	Oct 3, 2019
Instrument	69126

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 2, 2034

Tax Assessment & Valuation

Source: Will County assessment roll, as of August 24, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Will County
County Subdivision	Wheatland Township
Municipality	Naperville City
Unified School District	Indian Prairie Community Unit School District 204 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,990.00 (+17.83%)	$136,155 (+9.95%) Land $34,613 Building $101,542	$408,465 (+9.95%) Land $103,839 Building $304,626
2024		$123,834 (+24.33%) Land $31,481 Building $92,353	$371,502 (+24.33%) Land $94,443 Building $277,059
2022	$6,781.00 Homeowner's exemption	$99,600 Land $26,308 Building $73,292	$298,800 Land $78,924 Building $219,876

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 June 11, 2026 · 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 Policies	1 in force

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Astound Broadband, AT&T, Verizon.

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