3824 Formby Rd, Naperville, IL 60564 Property Records

Will County property record for 3824 Formby Rd, Naperville, IL 60564

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 3,076 sqft · built 2007
Lot Size	0.28 acres (12,287 sqft)
Owner	2 Individual Names on File
Last Sale	$497,000 (Jun 2007)
Tax Bill	$13,750 (2025)
Deeds & Mortgages	May 2018 Line of Credit Feb 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`07-01-16-308-035`

Property Details

APN / Parcel Number

Primary APN	`07-01-16-308-035`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,076 sqft Total Area
1st Floor Area	1,609 sqft
2nd Floor Area	1,467 sqft
Basement Area	1,609 sqft
Unfinished Basement	1,609 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Construction Type	Frame
Lot Area	12,287 sqft (0.28 acres)
Garage Area	752 sqft

Location & Zoning

Street Address	3824 FORMBY RD
City	NAPERVILLE
State	IL
Zip	60564-8131
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 41 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	41
Jurisdiction	WILL IL
Township / Civil Division	WHEATLAND
Census Block Group	1
Census Block	1025
Census Tract	880322

Owner

3824 Formby Rd is owned and occupied by two individuals who bought it in June 2007.

Source: Will County records, as of October 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3824 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
May 29, 2018	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Feb 25, 2021	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 7, 2007 · Amount on File
Deed Sale	Jun 7, 2007 · Amount on File
Prior Sale	Jan 31, 2007 · Amount on File
Deed Document Number	200786637
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	3824 FORMBY RD, NAPERVILLE, IL 60564-8131
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000035804
Date	May 29, 2018
Instrument	R2018035804

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 1, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	3824 FORMBY RD, NAPERVILLE, IL 60564-8131
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022554
Date	Feb 25, 2021
Instrument	R2021022554

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	Jan 13, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 3824 Formby Rd was $13,750.

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	$13,750.00	$230,953 (+9.95%) Land $60,823 Building $170,130	$692,859 (+9.95%) Land $182,469 Building $510,390
2024		$210,053 Land $55,319 Building $154,734	$630,159 Land $165,957 Building $464,202
2022	$11,845.00 Homeowner's exemption	$171,467 Land $46,229 Building $125,238	$514,401 Land $138,687 Building $375,714

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 3824 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 3824 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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