314 S Prospect St, Wheaton, IL 60187 Property Records

DuPage County property record for 314 S Prospect St, Wheaton, IL 60187

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,952 sqft · built 1948
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$575,000 (Mar 2023)
Tax Bill	$12,567 (2022)
Deeds & Mortgages	Mar 2023 Sale & Mortgage May 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05-15-313-023`

Property Details

APN / Parcel Number

Primary APN	`05-15-313-023`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,952 sqft Living Area
Basement Area	1,300 sqft
Finished Basement	1,300 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	14.5 ft deep x 5.2 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	18 sqft
Deck Area	Deck Area
Patio Area	233 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	314 S PROSPECT ST
City	WHEATON
State	IL
Zip	60187-5908
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	9
Legal Lot Number	10
Jurisdiction	DU PAGE IL
Township / Civil Division	MILTON
Census Block Group	2
Census Block	2002
Census Tract	842400

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	2418 TRACE OAK, SAN ANTONIO, TX 78232-2637
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2023	Warranty Deed, Transfer · VA Mortgage FREEDOM MORTGAGE CORP
May 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP
Oct 3, 2019	Deed of Trust, Mortgage · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP
Sep 4, 2018	Warranty Deed, Transfer · Conventional Mortgage COMPASS MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 7, 2023 · Amount on Record
Deed Sale	Mar 7, 2023 · Amount on Record
Prior Sale	Sep 4, 2018 · Amount on Record
Deed Document Number	202312971
Record Updated	Sep 20, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DU PAGE IL
Recording Date	Mar 7, 2023
Property Address	314 S PROSPECT ST, WHEATON, IL 60187-5908
Document Number	0000012971
Map Reference	DOC 202765
Instrument Date	Feb 14, 2023
Instrument	R2023-012971
Transaction Type	Transfer
Record Updated	Mar 22, 2023
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$575.00
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	314 S PROSPECT ST, WHEATON, IL 60187-5908

Mortgage

Document Number	0000012972
Date	Mar 7, 2023
Instrument	R2023-012972

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2053

Interest

Rate Type	Fixed Rate
Rate	5.62%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	314 S PROSPECT ST, WHEATON, IL 60187-5908
Transaction Type	Mortgage
Record Updated	Dec 14, 2021
Title Company	ACQUEST TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000069922
Date	May 4, 2021
Instrument	R2021-069922

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company
Address	DOWNERS GROVE, IL 60515

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	178 Months
Due	Mar 1, 2036

Interest

Rate Type	Fixed Rate
Rate	2.5%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	314 S PROSPECT ST, WHEATON, IL 60187-5908
Transaction Type	Mortgage
Record Updated	Dec 14, 2021
Title Company	ACQUEST TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000088977
Date	Oct 3, 2019
Instrument	R2019-088977

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company
Address	DOWNERS GROVE, IL 60515

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2034

Interest

Rate Type	Fixed Rate

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DU PAGE IL
Recording Date	Sep 4, 2018
Property Address	314 S PROSPECT ST, WHEATON, IL 60187-5908
Document Number	0000083161
Map Reference	DOC245767
Instrument Date	Aug 15, 2018
Instrument	R2018-083161
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	HERITAGE TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,880.00
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	314 S PROSPECT ST, WHEATON, IL 60187-5908

Mortgage

Document Number	0000083162
Date	Sep 4, 2018
Instrument	R2018-083162

Lender

Name	COMPASS MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2033

Interest

Rate Type	Fixed Rate
Rate	4.12%

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		$215,112 (+14.74%) Land $30,282 Building $184,830	$645,336 (+14.74%) Land $90,846 Building $554,490
2022	$12,567.00 Homeowner's exemption	$187,470 Land $24,290 Building $163,180	$562,410 Land $72,870 Building $489,540

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
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

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

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

May also be available: Verizon.

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