3808 Formby Rd, Naperville, IL 60564 Property Records

Will County property record for 3808 Formby Rd, Naperville, IL 60564

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,200 sqft · built 2016
Lot Size	0.28 acres (12,224 sqft)
Owner	2 Individual Names on File
Last Sale	$455,100 (Aug 2016)
Tax Bill	$13,658 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-01-16-308-039`

Property Details

APN / Parcel Number

Primary APN	`07-01-16-308-039`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,200 sqft Total Area
1st Floor Area	1,603 sqft
2nd Floor Area	1,597 sqft
Basement Area	1,603 sqft
Unfinished Basement	1,603 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Construction Type	Frame
Lot Area	12,224 sqft (0.28 acres)
Garage Area	621 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	3808 FORMBY RD
City	NAPERVILLE
State	IL
Zip	60564-8131
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 45 IN TAMARACK SOUTH, BEING A SUB OF PRT OF THE SW1/4 OF SEC 16, T37N-R9E.
Legal Range	09E
Legal Township	37N
Legal Section	16
Legal Subdivision	TAMARACK SOUTH
Legal Block	1
Legal Lot Number	45
Jurisdiction	WILL IL
Township / Civil Division	WHEATLAND
Census Block Group	1
Census Block	1025
Census Tract	880322

Owner

3808 Formby Rd is owned and occupied by two individuals who bought it in August 2016.

Source: Will County records, as of August 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3808 FORMBY RD, NAPERVILLE, IL 60564-8131
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

Date	Document
Jan 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA COMMERCIAL
Jul 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS
Dec 6, 2019	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2016 · Amount on File
Deed Sale	Aug 11, 2016 · Amount on File
Prior Sale	Mar 6, 2014 · Amount on File
Deed Document Number	201661797
Prior Transfer Date	Feb 12, 2014
Prior Transfer Doc	0000018532
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	3808 FORMBY RD, NAPERVILLE, IL 60564-8131
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007829
Date	Jan 21, 2021
Instrument	R2021007829

Lender

Name	FINANCE OF AMERICA COMMERCIAL
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2036

Interest

Rate	2.25%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	3808 FORMBY RD, NAPERVILLE, IL 60564-8131
Document Number	0000061820
Instrument Date	Jul 1, 2020
Transaction Type	Mortgage
Record Updated	Aug 12, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3808 FORMBY RD NAPERVILLE IL 605648131, NAPERVILLE, IL 60564-8131

Mortgage

Document Number	0000061820
Date	Jul 30, 2020
Instrument	61820

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 29, 2035

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	3808 FORMBY RD, NAPERVILLE, IL 60564-8131
Document Number	0000091457
Instrument Date	Dec 6, 2019
Transaction Type	Mortgage
Record Updated	Jan 13, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3808 FORMBY RD NAPERVILLE IL 605648131, NAPERVILLE, IL 60564-8131

Mortgage

Document Number	0000091457
Date	Dec 19, 2019
Instrument	91457

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 18, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 3808 Formby Rd was $13,658.

Source: Will County assessment roll, as of August 24, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Will County
County Subdivision	Wheatland Township
Municipality	Naperville City
Unified School District	Plainfield School District 202 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$13,658.00	$229,461 (+9.95%) Land $60,823 Building $168,638	$688,383 (+9.95%) Land $182,469 Building $505,914
2024		$208,696 Land $55,319 Building $153,377	$626,088 Land $165,957 Building $460,131
2022	$11,767.00 Homeowner's exemption	$170,367 Land $46,229 Building $124,138	$511,101 Land $138,687 Building $372,414

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 3808 Formby Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (2013–2014)
Most Recent Claim	Jun 2014 · 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

Wildfire risk around 3808 Formby Rd 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	None beyond 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 135 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	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · Fiber, DSL in parts of the area	100 / 20

May also be available: Metronet, Watch TV.

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