3812 Formby Rd, Naperville, IL 60564 Property Records

Will County property record for 3812 Formby Rd, Naperville, IL 60564

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,289 sqft · built 2009
Lot Size	0.23 acres (10,000 sqft)
Owner	Individual Name on Record
Last Sale	$400,000 (Oct 2010)
Tax Bill	$14,345 (2025)
Deeds & Mortgages	Aug 2020 Mortgage May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-01-16-308-038`

Property Details

APN / Parcel Number

Primary APN	`07-01-16-308-038`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,289 sqft Total Area
1st Floor Area	1,752 sqft
2nd Floor Area	1,537 sqft
Basement Area	1,713 sqft
Unfinished Basement	1,713 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Brick
Construction Type	Frame
Lot Area	10,000 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	685 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3812 FORMBY RD
City	NAPERVILLE
State	IL
Zip	60564-8131
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 44 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	44
Jurisdiction	WILL IL
Township / Civil Division	WHEATLAND
Census Block Group	1
Census Block	1025
Census Tract	880322

Owner

Source: Will County records, as of August 24, 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	3812 FORMBY RD, NAPERVILLE, IL 60564-8131
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CO
May 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 18, 2010 · Amount on Record
Deed Sale	Oct 18, 2010 · Amount on Record
Prior Sale	Sep 15, 2006 · Amount on Record
Deed Document Number	2010109211
Prior Transfer Date	Jun 10, 2008
Prior Transfer Doc	0000075193
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	3812 FORMBY RD, NAPERVILLE, IL 60564-8131
Transaction Type	Mortgage
Record Updated	Aug 5, 2022
Title Company	ACQUEST TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000069965
Date	Aug 21, 2020
Instrument	R2020069965

Lender

Name	FIRST CENTENNIAL MORTGAGE CO
Type	Mortgage Company
Address	AURORA, IL 60506

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2040

Interest

Rate Type	Fixed Rate
Rate	3%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	3812 FORMBY RD, NAPERVILLE, IL 60564-8131
Transaction Type	Mortgage
Record Updated	Aug 5, 2022
Title Company	ACQUEST TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000052851
Date	May 11, 2021
Instrument	R2021052851

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company
Address	AURORA, IL 60506

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	239 Months
Due	Apr 1, 2041

Tax Assessment & Valuation

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	$14,345.00 (+17.64%)	$249,052 (+9.95%) Land $60,823 Building $188,229	$747,156 (+9.95%) Land $182,469 Building $564,687
2024		$226,514 (+22.58%) Land $55,319 Building $171,195	$679,542 (+22.58%) Land $165,957 Building $513,585
2022	$12,194.00 Homeowner's exemption Additional exemption filed	$184,788 Land $46,228 Building $138,560	$554,364 Land $138,684 Building $415,680

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
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

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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