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401 S Charles Ave, Naperville, IL 60540 Property Records

DuPage County property record for 401 S Charles Ave, Naperville, IL 60540

Property Summary

Property TypeSingle Family Home
Details3 ba · 3,648 sqft · built 1975
Lot Size0.29 acres (12,632 sqft)
Owner2 Individual Names on Record
Last Sale$564,000 (Oct 2019)
Tax Bill$12,126 (2025)
Deeds & MortgagesOct 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN08-19-206-017

Property Details

APN / Parcel Number

Primary APN08-19-206-017

Interior

Full Baths3 Baths
Half Baths2 Half Baths
Stories2 Stories
Building Area3,648 sqft Living Area
Gross Area4,104 sqft
1st Floor Area1,552 sqft
2nd Floor Area1,320 sqft
Basement Area1,232 sqft
Finished Basement776 sqft
Unfinished Basement456 sqft

Exterior

Year BuiltBuilt 1975
Effective Year BuiltEffective 1975
Exterior MaterialWood Siding
Lot Area12,632 sqft (0.29 acres)
Garage Area644 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Heating SystemHVAC

Location & Zoning

Street Address401 S CHARLES AVE
CityNAPERVILLE
StateIL
Zip60540-5722
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR
Legal DescriptionPEMBROKE GREENS UNIT 4
Legal SubdivisionPEMBROKE GREENS
Legal Block3
Legal Lot Number2
Legal Unit4
JurisdictionDU PAGE IL
Township / Civil DivisionLISLE
Census Block Group2
Census Block2015
Census Tract846209

Owner

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

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

Owner of Record2 Individual Names on Record
Mailing Address401 S CHARLES AVE, NAPERVILLE, IL 60540-5722
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 3, 2019 · Amount on Record
Deed SaleOct 3, 2019 · Amount on Record
Prior SaleJun 25, 2013 · Amount on Record
Deed Document Number201988888
Record UpdatedSep 20, 2026

October 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionDU PAGE IL
Recording DateOct 3, 2019
Property Address401 S CHARLES AVE, NAPERVILLE, IL 60540-5722
Document Number0000088888
Map ReferenceDOC R73-41673
Instrument DateSep 13, 2019
InstrumentR2019-088888
Transaction TypeTransfer
Record UpdatedDec 14, 2021
Title CompanyCHICAGO TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$564.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address401 S CHARLES AVE, NAPERVILLE, IL 60540-5722

Mortgage

Document Number0000088889
DateOct 3, 2019
InstrumentR2019-088889
Lender
NameGOLD COAST BANK (CHICAGO IL)
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueOct 1, 2049
Interest
Rate TypeFixed Rate

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateIllinois
CountyDuPage County
County SubdivisionLisle Township
MunicipalityNaperville City
Unified School DistrictNaperville Community Unit District 203 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$12,126.00 (+13.98%)$218,695 (+28.35%) Land $77,426 Building $141,269$656,085 (+28.35%) Land $232,278 Building $423,807
2022$10,639.00 Homeowner's exemption$170,390 Land $61,140 Building $109,250$511,170 Land $183,420 Building $327,750

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 September 1, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 11 policies
Community Rating SystemClass 10 (0% premium discount)
Nearby Flood Policies11 in force
Nearby Flood Claims4 (2008–2020)
Claims Outside the SFHA3 of 4
Most Recent ClaimMay 2020 · rainfall accumulation
Claims by Event
  • Severe Storms And Flooding, Sep 2008 · 2 claims

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 RiskNot 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 SystemNAPERVILLE
serves 156,406 people · EPA ID IL0434670
Water SourcePurchased surface water from DU PAGE WATER COMMISSION
Last State InspectionSep 2025
Lead6 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting15
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 404 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Astound Broadband
Cable		1,500 / 50
T-Mobile
Fixed Wireless		100 / 20
AT&T
DSL · Fixed Wireless in parts of the area		100 / 20

May also be available: Verizon.

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