323 Centennial Ct, Naperville, IL 60540 Property Records

DuPage County property record for 323 Centennial Ct, Naperville, IL 60540

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 5,196 sqft · built 2012
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Individual Names on File
Last Sale	$252,000 (Mar 2012)
Tax Bill	$36,820 (2025)
Deeds & Mortgages	Mar 2018 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`07-13-318-017`

Property Details

APN / Parcel Number

Primary APN	`07-13-318-017`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	5,196 sqft Living Area
Gross Area	5,569 sqft
1st Floor Area	1,699 sqft
2nd Floor Area	2,197 sqft
Basement Area	1,673 sqft
Finished Basement	1,300 sqft
Unfinished Basement	373 sqft

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Exterior Material	Brick
Construction Type	Brick
Lot Area	17,860 sqft (0.41 acres)
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	323 CENTENNIAL CT
City	NAPERVILLE
State	IL
Zip	60540-5481
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	CENTENNIAL WOODS SUB ALL
Legal Subdivision	CENTENNIAL WOODS SUB
Legal Lot Number	4
Jurisdiction	DU PAGE IL
Township / Civil Division	NAPERVILLE
Census Block Group	2
Census Block	2006
Census Tract	846504

Owner

323 Centennial Ct is owned and occupied by two individuals who bought it in March 2012.

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

Owner of Record	2 Individual Names on File
Mailing Address	323 CENTENNIAL CT, NAPERVILLE, IL 60540-5481
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 2, 2012 · Amount on File
Deed Sale	Mar 2, 2012 · Amount on File
Prior Sale	Dec 28, 2010
Deed Document Number	201228034
Prior Transfer Date	Feb 12, 2011
Prior Transfer Doc	0000066065
Record Updated	Sep 20, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	323 CENTENNIAL CT, NAPERVILLE, IL 60540-5481
Transaction Type	Mortgage
Record Updated	Dec 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020197
Date	Mar 8, 2018
Instrument	R2018-020197

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Feb 23, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 323 Centennial Ct was $36,820 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	Naperville Township
Municipality	Naperville City
Unified School District	Naperville Community Unit District 203 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$36,820.00	$639,490 Land $193,257 Building $446,233	$1,918,470 Land $579,771 Building $1,338,699
2022	$32,356.00 Homeowner's exemption	$506,770 Land $152,060 Building $354,710	$1,520,310 Land $456,180 Building $1,064,130

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

Flood

FEMA maps place 323 Centennial Ct in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 1, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 13 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	22 (1996–2025)
Claims Outside the SFHA	6 of 22
Most Recent Claim	Apr 2025 · other causes
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 6 claims Severe Storms And Flooding, Sep 2008 · 13 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

Wildfire risk around 323 Centennial Ct is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20