315 N Gary Ave, Wheaton, IL 60187 Property Records

DuPage County property record for 315 N Gary Ave, Wheaton, IL 60187

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,974 sqft · built 1887
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on Record
Last Sale	$987,000 (Oct 2025)
Tax Bill	$21,328 (2025)
Deeds & Mortgages	Jul 2025 Line of Credit Oct 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-17-230-001`

Property Details

APN / Parcel Number

Primary APN	`05-17-230-001`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,974 sqft Living Area
Gross Area	3,616 sqft
Basement Area	642 sqft

Exterior

Year Built	Built 1887
Effective Year Built	Effective 1887
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,810 sqft (0.34 acres)
Lot Dimensions	12.5 ft deep x 11.5 ft wide
View / Lot	Corner
Garage Type	Detached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	543 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	315 N GARY AVE
City	WHEATON
State	IL
Zip	60187-4917
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	OSCAR ERICSONS DIVISION OF PT OF NE 1/4 SEC 17 39 10
Legal Subdivision	OSCAR ERICSONS DIVISION
Legal Lot Number	1
Jurisdiction	DU PAGE IL
Township / Civil Division	MILTON
Census Block Group	1
Census Block	1032
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	161 STANFORD AVE, MILL VALLEY, CA 94941-3532
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2025	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Oct 10, 2025	Warranty Deed, Transfer · Conventional Mortgage UNITED HOME LOANS INC
Sep 6, 2023	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 10, 2025 · Amount on Record
Deed Sale	Oct 10, 2025 · Amount on Record
Prior Sale	Sep 6, 2023 · Amount on Record
Deed Document Number	202564447
Prior Transfer Date	Apr 19, 2001
Prior Transfer Doc	0000085631
Record Updated	Sep 20, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	315 N GARY AVE, WHEATON, IL 60187-4917
Transaction Type	Mortgage
Record Updated	Nov 3, 2025
Title Company	CORPORATE SETTLEMENTS, CORPORATE SETTLEMENT SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 N GARY AVE, WHEATON, IL 60187-4917

Mortgage

Document Number	0000042155
Date	Jul 14, 2025
Instrument	R2025-042155

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 9, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DU PAGE IL
Recording Date	Oct 10, 2025
Property Address	315 N GARY AVE, WHEATON, IL 60187-4917
Document Number	0000064447
Map Reference	DOC 947656
Instrument Date	Oct 1, 2025
Instrument	R2025-064447
Transaction Type	Transfer
Record Updated	Nov 3, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$987.00
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	315 N GARY AVE, WHEATON, IL 60187-4917

Mortgage

Document Number	0000064448
Date	Oct 10, 2025
Instrument	R2025-064448

Lender

Name	UNITED HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2040

Interest

Rate Type	Fixed Rate
Rate	5.62%

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DU PAGE IL
Recording Date	Sep 6, 2023
Property Address	315 N GARY AVE, WHEATON, IL 60187-4917
Document Number	0000057540
Map Reference	DOC 947656
Instrument Date	Aug 3, 2023
Instrument	R2023-057540
Transaction Type	Transfer
Record Updated	Sep 21, 2023
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$840.00
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	315 N GARY AVE, WHEATON, IL 60187-4917

Mortgage

Document Number	0000057541
Date	Sep 6, 2023
Instrument	R2023-057541

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2053

Interest

Rate	6.5%

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	$21,328.00 (+25.39%)	$360,129 (+32.45%) Land $66,197 Building $293,932	$1,080,387 (+32.45%) Land $198,591 Building $881,796
2024	$17,009.00 (+6.54%) Homeowner's exemption	$271,904 (+14.96%) Land $61,034 Building $210,870	$815,712 (+14.96%) Land $183,102 Building $632,610
2022	$15,965.00 Homeowner's exemption	$236,530 Land $53,090 Building $183,440	$709,590 Land $159,270 Building $550,320

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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