319 S Naperville Rd, Wheaton, IL 60187 Property Records

DuPage County property record for 319 S Naperville Rd, Wheaton, IL 60187

Property Summary

Property Type	Commercial
Details	2,872 sqft · built 1915
Lot Size	0.15 acres (6,534 sqft)
Owner	Company Name on Record
Last Sale	$315,000 (Nov 2017)
Tax Bill	$9,803 (2025)
Deeds & Mortgages	May 2026 Construction Loan Dec 2025 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05-16-326-006`

Property Details

APN / Parcel Number

Primary APN	`05-16-326-006`

Interior

Units	4 Units
Stories	2 Stories
Building Area	2,872 sqft Gross Area

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	13.1 ft deep x 5 ft wide

Location & Zoning

Street Address	319 S NAPERVILLE RD
City	WHEATON
State	IL
Zip	60187-5462
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	C
Legal Description	HENNINGERS ASSMT PLAT PT LOT 7 & 10 BLK 6 W L WHEATONS 2ND ADD TO WHEATON
Legal Subdivision	HENNINGERS ASSMT PLAT
Legal Block	6
Legal Lot Number	7,10
Jurisdiction	DU PAGE IL
Township / Civil Division	MILTON
Census Block Group	1
Census Block	1015
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	Company Name on Record
Mailing Address	319 S NAPERVILLE RD, WHEATON, IL 60187-5462
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
May 26, 2026	Deed of Trust, Mortgage · Construction Mortgage CORNERSTONE NATIONAL BANK AND TRUST COMPANY
Dec 17, 2025	Deed of Trust, Mortgage · Line of Credit ASSOCIATED BANK NA
May 7, 2021	Deed of Trust, Mortgage CORNERSTONE NATIONAL BANK & TRUST CO
Nov 21, 2017	Deed, Transfer · Line of Credit HEARTLAND BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 21, 2017 · Amount on Record
Deed Sale	Nov 21, 2017 · Amount on Record
Deed Document Number	2017119738
Prior Transfer Date	May 25, 2003
Prior Transfer Doc	0000251141
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Recording Date	May 26, 2026
Property Address	319 S NAPERVILLE RD, WHEATON, IL 60187-5462
Document Number	0000034666
Instrument Date	Apr 28, 2026
Instrument	202634666
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company, 103
Address	1N656 FISHER LN, WINFIELD, IL 60190-1469

Mortgage

Document Number	0000034666,
Date	May 26, 2026
Instrument	202634666

Lender

Name	CORNERSTONE NATIONAL BANK AND TRUST COMPANY

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate	6.46%
Max Rate	-1%

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	319 S NAPERVILLE RD, WHEATON, IL 60187-5462
Transaction Type	Mortgage
Record Updated	Jan 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000081617
Date	Dec 17, 2025
Instrument	R2025-081617

Lender

Name	ASSOCIATED BANK NA
Type	Bank
Address	GREEN BAY, WI 54301

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 28, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	319 S NAPERVILLE RD, WHEATON, IL 60187-5462
Transaction Type	Mortgage
Record Updated	Dec 14, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1N656 FISHER LN, WINFIELD, IL 60190-1469

Mortgage

Document Number	0000072469
Date	May 7, 2021
Instrument	R2021-072469

Lender

Name	CORNERSTONE NATIONAL BANK & TRUST CO
Type	Bank
Address	CRYSTAL LAKE, IL 60014

Agreement

Amount	Amount Recorded

November 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	DU PAGE IL
Recording Date	Nov 21, 2017
Property Address	319 S NAPERVILLE RD, WHEATON, IL 60187-5462
Document Number	0000119738
Map Reference	DOC11488
Instrument Date	Nov 16, 2017
Instrument	R2017-119738
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,260.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	319 S NAPERVILLE RD, WHEATON, IL 60187-5462

Mortgage

Document Number	0000119739
Date	Nov 21, 2017
Instrument	R2017-119739

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Nov 17, 2022

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	$9,803.00 (+1.92%)	$161,853 (+8.46%) Land $54,473 Building $107,380	$485,559 (+8.46%) Land $163,419 Building $322,140
2024	$9,618.00 (+7%)	$149,228 (+14.96%) Land $50,224 Building $99,004	$447,684 (+14.96%) Land $150,672 Building $297,012
2022	$8,989.00	$129,810 Land $86,240 Building $43,570	$389,430 Land $258,720 Building $130,710

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	4 (2010–2020)
Claims Outside the SFHA	3 of 4
Most Recent Claim	May 2020 · other causes

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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