405 W Front St, Apt 207, Wheaton, IL 60187 Property Records

DuPage County property record for 405 W Front St, Apt 207, Wheaton, IL 60187

Property Summary

Property Type	Condominium
Details	2 bd · 1 ba · 1,199 sqft · built 1999
Lot Size	2.43 acres (105,851 sqft)
Owner	2 Trust Names on File
Last Sale	$313,000 (May 2026)
Tax Bill	$5,985 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Feb 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-17-431-077`

Property Details

APN / Parcel Number

Primary APN	`05-17-431-077`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Units	31 Units
Stories	1 Story
Building Area	1,199 sqft Living Area
1st Floor Area	1,199 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, 207
City	WHEATON
State	IL
Zip	60187-2333
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R
Legal Description	WATERFORD PLACE OF WHEATON CONDO BLDG 3 UNIT 207 0.73608 PERCENT COM INT
Legal Subdivision	WATERFORD PLACE OF WHEATON CONDO
Legal Unit	207
Jurisdiction	DU PAGE IL
Township / Civil Division	MILTON
Census Block Group	3
Census Block	3005
Census Tract	842500

Owner

405 W Front St, Apt 207 is held in a trust since May 2026.

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

Owner of Record	2 Trust Names on File
Mailing Address	653 BROOK DR, GREENWOOD, IN 46143-8473
Owner Type	Company
Vesting	Trust

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 4, 2026	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE MORTGAGE
Feb 5, 2020	Administrator's Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 2026 · Amount on File
Deed Sale	May 4, 2026 · Amount on File
Prior Sale	Feb 5, 2020 · Amount on File
Deed Document Number	202629417
Prior Transfer Date	Mar 6, 1997
Prior Transfer Doc	0000032749
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DU PAGE IL
Recording Date	May 4, 2026
Property Address	405 W FRONT ST, 207, WHEATON, IL 60187-2333
Document Number	0000029417
Instrument Date	Mar 11, 2026
Instrument	202629417
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$47,419.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	653 BROOK DR, GREENWOOD, IN 46143-8473

Mortgage

Document Number	0000029418,
Date	May 4, 2026
Instrument	202629418

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.99%
Initial Type	Fixed Rate
Max Rate	-1%

February 2020: Administrator's Deed, Transfer

Document Type	Administrator's Deed
Jurisdiction	DU PAGE IL
Recording Date	Feb 5, 2020
Property Address	405 W FRONT ST APT 207, 207, WHEATON, IL 60187-2333
Document Number	0000012424
Map Reference	DOC R97-011271
Instrument Date	Feb 5, 2020
Instrument	R2020-012424
Transaction Type	Transfer
Record Updated	Aug 29, 2022
Title Company	CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$209.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 W FRONT ST # 3-207, 3-207, WHEATON, IL 60187-2332
Investor	Possibly a Property Investor

Mortgage

Document Number	0000012425
Date	Feb 5, 2020
Instrument	R2020-012425

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

Interest

Rate	3.87%

Tax Assessment & Valuation

The 2025 property tax bill for 405 W Front St, Apt 207 was $5,985, up 2.6% from the year before.

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	$5,985.00 (+2.64%) Homeowner's exemption	$106,815 (+8.46%) Land $19,525 Building $87,290	$320,445 (+8.46%) Land $58,575 Building $261,870
2024	$5,831.00	$98,483 Land $18,002 Building $80,481	$295,449 Land $54,006 Building $241,443
2022	$5,226.00 Homeowner's exemption	$81,470 Land $10,800 Building $70,670	$244,410 Land $32,400 Building $212,010

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 405 W Front St, Apt 207 in Zone X, an area of minimal flood risk.

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

The area around 405 W Front St, Apt 207 has no burnable land within ember reach, so its wildfire risk is not rated.

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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