405 W Front St, #3-404, Wheaton, IL 60187 Property Records

DuPage County property record for 405 W Front St, #3-404, Wheaton, IL 60187

Property Summary

Property Type	Condominium
Details	1 ba · 1,249 sqft · built 1999
Lot Size	2.43 acres (105,851 sqft)
Owner	2 Individual Names on Record
Last Sale	$222,000 (Nov 2008)
Tax Bill	$5,555 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Jun 2026 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-17-431-094`

Property Details

APN / Parcel Number

Primary APN	`05-17-431-094`

Interior

Full Baths	1 Bath
Units	31 Units
Stories	1 Story
Building Area	1,249 sqft Living Area
1st Floor Area	1,249 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Condo/Apartment
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	105,851 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	405 W FRONT ST, 3-404
City	WHEATON
State	IL
Zip	60187-2332
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R
Legal Description	WATERFORD PLACE OF WHEATON CONDO BLDG 3 UNIT 404 0.76363 PERCENT COM INT
Legal Subdivision	WATERFORD PLACE OF WHEATON CONDO
Legal Unit	404
Jurisdiction	DU PAGE IL
Township / Civil Division	MILTON
Census Block Group	3
Census Block	3005
Census Tract	842500

Owner

Source: DuPage County records, as of October 6, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	405 W FRONT ST, 404, WHEATON, IL 60187-2334
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2026	Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT
Jun 2, 2026	Quit Claim Deed, Transfer · Line of Credit REAL ESTATE SERVICES
Jan 22, 2021	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2008 · Amount on Record
Deed Sale	Nov 4, 2008 · Amount on Record
Prior Sale	Jul 21, 1998 · Amount on Record
Deed Document Number	2008162060
Last Transfer Date	May 27, 2026
Transfer Doc	0000036554
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Recording Date	Sep 24, 2026
Property Address	405 W FRONT ST, 3-404, WHEATON, IL 60187-2332
Document Number	0000065844
Instrument Date	Sep 16, 2026
Instrument	202665844
Transaction Type	Mortgage
Record Updated	Oct 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000065844,
Date	Sep 24, 2026
Instrument	202665844

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 16, 2056

Interest

Max Rate	-1%

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DU PAGE IL
Recording Date	Jun 2, 2026
Property Address	405 W FRONT ST, 3-404, WHEATON, IL 60187-2332
Document Number	0000036554
Instrument Date	May 27, 2026
Instrument	202636554
Transaction Type	Transfer
Record Updated	Sep 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety

Mortgage

Document Number	0000036540,
Date	Jun 2, 2026
Instrument	202636540

Lender

Name	REAL ESTATE SERVICES

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.99%
Max Rate	-1%

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DU PAGE IL
Recording Date	Jan 22, 2021
Property Address	405 W FRONT ST # 3-404, 3-404, WHEATON, IL 60187-2332
Document Number	0000011840
Instrument Date	Dec 16, 2020
Instrument	11840
Transaction Type	Transfer
Record Updated	Feb 24, 2021
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 W FRONT ST #3-404 WHEATON IL 601872332, 3-404, WHEATON, IL 60187-2332

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	$5,555.00 (+12.68%)	$109,315 (+32.99%) Land $19,525 Building $89,790	$327,945 (+32.99%) Land $58,575 Building $269,370
2022	$4,930.00 Homeowner's exemption Senior Citizen's exemption	$82,200 Land $10,800 Building $71,400	$246,600 Land $32,400 Building $214,200

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	5 in force

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	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.

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 362 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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