3516 Monarch Cir, Naperville, IL 60564 Property Records

DuPage County property record for 3516 Monarch Cir, Naperville, IL 60564

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 4,209 sqft · built 1992
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on File
Last Sale	$677,500 (Oct 2023)
Tax Bill	$14,786 (2025)
Deeds & Mortgages	Oct 2023 Sale Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-32-402-012`

Property Details

APN / Parcel Number

Primary APN	`07-32-402-012`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	4,209 sqft Living Area
Gross Area	4,595 sqft
1st Floor Area	1,565 sqft
2nd Floor Area	1,488 sqft
Basement Area	1,542 sqft
Finished Basement	1,156 sqft
Unfinished Basement	386 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Georgian
Exterior Material	Brick
Construction Type	Brick
Lot Area	14,375 sqft (0.33 acres)
Lot Dimensions	15.8 ft deep x 9 ft wide
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Street Address	3516 MONARCH CIR
City	NAPERVILLE
State	IL
Zip	60564-9785
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	WHITE EAGLE CLUB UNIT 4 ALL
Legal Subdivision	WHITE EAGLE CLUB UNIT 4
Legal Lot Number	203
Legal Unit	4
Jurisdiction	DU PAGE IL
Township / Civil Division	NAPERVILLE
Census Block Group	1
Census Block	1000
Census Tract	846513

Owner

3516 Monarch Cir is owned by two individuals who bought it in October 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	1 W SUPERIOR ST, 3502, CHICAGO, IL 60654-8845
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Date	Document
Oct 5, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jul 22, 2022	Warranty Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 5, 2023 · Amount on File
Deed Sale	Oct 5, 2023 · Amount on File
Prior Sale	Jul 22, 2022 · Amount on File
Deed Document Number	202364486
Record Updated	Sep 20, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DU PAGE IL
Recording Date	Oct 5, 2023
Property Address	3516 MONARCH CIR, NAPERVILLE, IL 60564-9785
Document Number	0000064486
Map Reference	DOC R88-001786
Instrument Date	Sep 21, 2023
Instrument	R2023-064486
Transaction Type	Transfer
Record Updated	Oct 23, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$677.50
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	3516 MONARCH CIR, NAPERVILLE, IL 60564-9785
Investor	Possibly a Property Investor

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DU PAGE IL
Recording Date	Jul 22, 2022
Property Address	3516 MONARCH CIR, NAPERVILLE, IL 60564-9785
Document Number	0000069648
Map Reference	DOC R88-001786
Instrument Date	Jun 3, 2022
Instrument	R2022-069648
Transaction Type	Transfer
Record Updated	Aug 8, 2022
Title Company	CITYWIDE TITLE CORPORATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$700.00
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	3516 MONARCH CIR, NAPERVILLE, IL 60564-9785

Mortgage

Document Number	0000069649
Date	Jul 22, 2022
Instrument	R2022-069649

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2052

Interest

Rate Type	Fixed Rate
Rate	5.62%

Tax Assessment & Valuation

The 2025 property tax bill for 3516 Monarch Cir was $14,786.

Source: DuPage County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Illinois
Municipality	Aurora City
County	DuPage County
County Subdivision	Naperville Township
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	$14,786.00	$213,382 Land $48,942 Building $164,440	$640,146 Land $146,826 Building $493,320
2022	$12,041.00 Homeowner's exemption	$151,680 Land $36,090 Building $115,590	$455,040 Land $108,270 Building $346,770

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

FEMA maps place 3516 Monarch Cir in Zone X, an area of minimal flood risk.

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 7 (15% premium discount)
Nearby Flood Policies	3 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

The area around 3516 Monarch Cir has no burnable land within ember reach, so its wildfire risk is not rated.

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	AURORA serves 183,000 people · EPA ID IL0894070
Water Source	Surface water
Last State Inspection	Mar 2025
Lead	26 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	None 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 490 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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