404 W Elm St, Wheaton, IL 60189 Property Records

DuPage County property record for 404 W Elm St, Wheaton, IL 60189

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,948 sqft · built 1957
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on Record
Last Sale	$339,500 (Aug 2019)
Tax Bill	$8,535 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-20-222-006`

Property Details

APN / Parcel Number

Primary APN	`05-20-222-006`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,948 sqft Living Area
Basement Area	525 sqft
Finished Basement	525 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Split Level
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,326 sqft (0.26 acres)
Lot Dimensions	16.5 ft deep x 7 ft wide
Garage Type	Detached
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area
Patio Area	284 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Street Address	404 W ELM ST
City	WHEATON
State	IL
Zip	60189-6341
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	WHEATONS THIRD RESUB
Legal Subdivision	WHEATONS THIRD RESUB
Legal Block	8
Legal Lot Number	6
Jurisdiction	DU PAGE IL
Township / Civil Division	MILTON
Census Block Group	1
Census Block	1003
Census Tract	842602

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 Record	Individual Name on Record
Mailing Address	404 W ELM ST, WHEATON, IL 60189-6341
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage GMFS LLC
Aug 22, 2019	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 22, 2019 · Amount on Record
Deed Sale	Aug 22, 2019 · Amount on Record
Prior Sale	Dec 15, 2006 · Amount on Record
Deed Document Number	201972979
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	404 W ELM ST, WHEATON, IL 60189-6341
Transaction Type	Mortgage
Record Updated	Dec 14, 2021
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000153855
Date	Dec 15, 2020
Instrument	R2020-153855

Lender

Name	GMFS LLC
Type	Subprime Lender
Address	BATON ROUGE, LA 70806

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	169 Months
Due	Jan 1, 2035

Interest

Rate Type	Fixed Rate
Rate	2.5%

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DU PAGE IL
Recording Date	Aug 22, 2019
Property Address	404 W ELM ST, WHEATON, IL 60189-6341
Document Number	0000072979
Map Reference	DOC 641413
Instrument Date	Aug 8, 2019
Instrument	R2019-072979
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	PRECISION TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$339.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	404 W ELM ST, WHEATON, IL 60189-6341

Mortgage

Document Number	0000072980
Date	Aug 22, 2019
Instrument	R2019-072980

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

Interest

Rate	3.87%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	DuPage County
County Subdivision	Milton Township
Municipality	Wheaton City
Unified School District	Community Unit School District 200 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,535.00 (+8.64%)	$148,915 (+24.67%) Land $46,202 Building $102,713	$446,745 (+24.67%) Land $138,606 Building $308,139
2022	$7,856.00 Homeowner's exemption	$119,450 Land $37,050 Building $82,400	$358,350 Land $111,150 Building $247,200

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	3 (1982–2001)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Oct 2001 · 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 97% of the US · lower than 79% 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	WHEATON serves 53,970 people · EPA ID IL0431050
Water Source	Purchased surface water from DU PAGE WATER COMMISSION
Last State Inspection	Jun 2024
Lead	2 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 345 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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