DuPage County property record for 404 Spruce Dr, Naperville, IL 60540
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,977 sqft · built 1962 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $351,000 (Feb 2016) |
| Tax Bill | $8,407 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit Apr 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-25-214-008 |
| Primary APN | 07-25-214-008 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 3 Stories |
| Building Area | 1,977 sqft Living Area |
| 1st Floor Area | 1,327 sqft |
| Basement Area | 650 sqft |
| Finished Basement | 650 sqft |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Tri-Level |
| Exterior Material | Brick |
| Construction Type | Brick |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 9 ft deep x 12.2 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 404 SPRUCE DR |
|---|---|
| City | NAPERVILLE |
| State | IL |
| Zip | 60540-7527 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | MOSER HIGHLANDS UNIT 11 |
| Legal Subdivision | MOSER HIGHLANDS |
| Legal Block | 7 |
| Legal Lot Number | 36 |
| Legal Unit | 11 |
| Jurisdiction | DU PAGE IL |
| Township / Civil Division | NAPERVILLE |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 846523 |
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 Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 404 SPRUCE DR, NAPERVILLE, IL 60540-7527 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jun 16, 2026 | Deed of Trust, Mortgage · Line of Credit DUPAGE CREDIT UNION |
| Apr 8, 2022 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 5, 2016 · Amount on Record |
| Deed Sale | Feb 5, 2016 · Amount on Record |
| Prior Sale | Nov 3, 2009 · Amount on Record |
| Deed Document Number | 201611806 |
| Prior Transfer Date | Jul 5, 1994 |
| Prior Transfer Doc | 0000152903 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DU PAGE IL |
| Recording Date | Jun 16, 2026 |
| Property Address | 404 SPRUCE DR, NAPERVILLE, IL 60540-7527 |
| Document Number | 0000040261 |
| Instrument Date | Jun 8, 2026 |
| Instrument | 202640261 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety, 298 |
| Address | 404 SPRUCE DR, NAPERVILLE, IL 60540-7527 |
| Document Number | 0000040261, |
|---|---|
| Date | Jun 16, 2026 |
| Instrument | 202640261 |
| Name | DUPAGE CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 30, 2046 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DU PAGE IL |
| Property Address | 404 SPRUCE DR, NAPERVILLE, IL 60540-7527 |
| Transaction Type | Mortgage |
| Record Updated | Apr 25, 2022 |
| Name | Verified Name |
|---|---|
| Address | 404 SPRUCE DR, NAPERVILLE, IL 60540-7527 |
| Document Number | 0000035902 |
|---|---|
| Date | Apr 8, 2022 |
| Instrument | R2022-035902 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Apr 13, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: DuPage County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | DuPage County |
| County Subdivision | Naperville Township |
| Municipality | Naperville City |
| Unified School District | Naperville Community Unit District 203 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,407.00 (+4.83%) Homeowner's exemption | $152,199 (+9.67%) Land $62,832 Building $89,367 | $456,597 (+9.67%) Land $188,496 Building $268,101 |
| 2024 | $8,020.00 (+11.65%) | $138,779 (+18.44%) Land $57,292 Building $81,487 | $416,337 (+18.44%) Land $171,876 Building $244,461 |
| 2022 | $7,183.00 Homeowner's exemption | $117,170 Land $48,040 Building $69,130 | $351,510 Land $144,120 Building $207,390 |
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.
Source: FEMA National Flood Hazard Layer, effective September 1, 2025 · 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 | 2 in force |
| Nearby Flood Claims | 2 (1979–1983) |
| Claims Outside the SFHA | 1 of 2 |
| 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 423 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 |
| AT&T DSL · Fixed Wireless in parts of the area | 100 / 20 |
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