3520 Eliot Ln, Naperville, IL 60564 Property Records

Will County property record for 3520 Eliot Ln, Naperville, IL 60564

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,084 sqft · built 1992
Lot Size	0.21 acres (8,975 sqft)
Owner	Individual Name on Record
Last Sale	$420,000 (May 2012)
Tax Bill	$14,250 (2025)
Deeds & Mortgages	May 2022 Line of Credit Jan 2019 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`07-01-11-312-026`

Property Details

APN / Parcel Number

Primary APN	`07-01-11-312-026`
Alternative APN	`01113120260000`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,084 sqft Total Area
1st Floor Area	1,592 sqft
2nd Floor Area	1,492 sqft
Basement Area	1,594 sqft
Unfinished Basement	1,594 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Construction Type	Frame
Lot Area	8,975 sqft (0.21 acres)
Garage Area	523 sqft

Location & Zoning

Street Address	3520 ELIOT LN
City	NAPERVILLE
State	IL
Zip	60564-4145
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 751 IN ASHBURY SUB UNIT 3, BEING A SUB OF PRT OF THE S1/2 OF SEC 11, T37N-R9E.
Legal Range	09E
Legal Township	37N
Legal Section	11
Legal Subdivision	ASHBURY
Legal Block	3
Legal Lot Number	751
Legal Unit	3
Jurisdiction	WILL IL
Township / Civil Division	WHEATLAND
Census Block Group	4
Census Block	4008
Census Tract	880305

Owner

Source: Will County records, as of June 30, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3520 ELIOT LN, NAPERVILLE, IL 60564-4145
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2022	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA
Jan 7, 2019	Deed of Trust, Mortgage · Conventional Mortgage PACOR MORTGAGE CORP
Oct 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage PACOR MORTGAGE CORP
Jul 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage PACOR MORTGAGE CORP
May 10, 2019	Deed of Trust, Mortgage · Conventional with PMI GUARANTEED RATE
Mar 9, 2017	Quit Claim Deed, Transfer CARRINGTON TITLE PARTNERS LLC, CARRINGTON TITLE PTRS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 23, 2012 · Amount on Record
Deed Sale	May 23, 2012 · Amount on Record
Prior Sale	Aug 27, 1992 · Amount on Record
Deed Document Number	201255490
Last Transfer Date	Jan 25, 2017
Transfer Doc	0000019760
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	3520 ELIOT LN, NAPERVILLE, IL 60564-4145
Transaction Type	Mortgage
Record Updated	Jun 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3520 ELIOT LN, NAPERVILLE, IL 60564-4145

Mortgage

Document Number	0000039936
Date	May 19, 2022
Instrument	R2022039936

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 17, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.29%
Change Frequency	Monthly

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	3520 ELIOT LN, NAPERVILLE, IL 60564-4145
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000710
Date	Jan 7, 2019
Instrument	R2019000710

Lender

Name	PACOR MORTGAGE CORP
Type	Mortgage Company
Address	OAK FOREST, IL 60452

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 1, 2039

Interest

Rate Type	Fixed Rate
Rate	4.62%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	3520 ELIOT LN, NAPERVILLE, IL 60564-4145
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000073236
Date	Oct 17, 2019
Instrument	R2019073236

Lender

Name	PACOR MORTGAGE CORP
Type	Mortgage Company
Address	OAK FOREST, IL 60452

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

Interest

Rate Type	Fixed Rate
Rate	3.62%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	3520 ELIOT LN, NAPERVILLE, IL 60564-4145
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000057842
Date	Jul 20, 2020
Instrument	R2020057842

Lender

Name	PACOR MORTGAGE CORP
Type	Mortgage Company
Address	OAK FOREST, IL 60452

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3%

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	3520 ELIOT LN, NAPERVILLE, IL 60564-4145
Document Number	0000028991
Instrument Date	May 10, 2019
Transaction Type	Mortgage
Record Updated	May 30, 2019
Title Company	RAVENSWOOD TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3520 ELIOT LN NAPERVILLE IL 605644145, NAPERVILLE, IL 60564-4145

Mortgage

Document Number	0000028991
Date	May 15, 2019
Instrument	28991

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 14, 2049

Interest

Rate Type	Fixed Rate
Rate	4.37%

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WILL IL
Recording Date	Mar 9, 2017
Property Address	3520 ELIOT LN, NAPERVILLE, IL 60564-4145
Document Number	0000019760
Instrument Date	Jan 25, 2017
Instrument	19760
Transaction Type	Transfer
Record Updated	Apr 10, 2017
Title Company	CARRINGTON TITLE PARTNERS LLC, CARRINGTON TITLE PTRS LLC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3520 ELIOT LN NAPERVILLE IL 605644145, NAPERVILLE, IL 60564-4145

Tax Assessment & Valuation

Source: Will County assessment roll, as of June 30, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Will County
County Subdivision	Wheatland Township
Municipality	Naperville City
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	$14,250.00 (+13.87%)
2024		$215,162 (+20.21%) Land $65,131 Building $150,031	$645,486 (+20.21%) Land $195,393 Building $450,093
2022	$12,514.00 Homeowner's exemption Additional exemption filed	$178,984 Land $54,428 Building $124,556	$536,952 Land $163,284 Building $373,668

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 June 11, 2026 · 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 10 (0% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (1983)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 1983 · 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	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 488 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
AT&T DSL	100 / 20

May also be available: Verizon.

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