406 S Prospect St, Wheaton, IL 60187 Property Records

DuPage County property record for 406 S Prospect St, Wheaton, IL 60187

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 4,346 sqft · built 2014
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$717,000 (Aug 2014)
Tax Bill	$17,487 (2025)
Deeds & Mortgages	Mar 2021 Line of Credit Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-15-321-013`

Property Details

APN / Parcel Number

Primary APN	`05-15-321-013`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	4,346 sqft Living Area
Basement Area	1,426 sqft
Finished Basement	1,426 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Ranch
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	15.3 ft deep x 6 ft wide
Garage Type	Detached
Garage Area	462 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	406 S PROSPECT ST
City	WHEATON
State	IL
Zip	60187-5945
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	MC INTOSH LORRAINE RD SUB
Legal Subdivision	MC INTOSH LORRAINE RD SUB
Legal Block	18
Legal Lot Number	2
Jurisdiction	DU PAGE IL
Township / Civil Division	MILTON
Census Block Group	2
Census Block	2012
Census Tract	842400

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	2 Individual Names on Record
Mailing Address	406 S PROSPECT ST, WHEATON, IL 60187-5945
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2021	Deed of Trust, Mortgage · Line of Credit EVERGREEN BANK GROUP
Oct 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Sep 10, 2018	Warranty Deed, Transfer GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2014 · Amount on Record
Deed Sale	Aug 15, 2014 · Amount on Record
Prior Sale	Oct 1, 2008 · Amount on Record
Deed Document Number	201473359
Prior Transfer Date	Mar 10, 1994
Prior Transfer Doc	0000018532
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	406 S PROSPECT ST, WHEATON, IL 60187-5945
Transaction Type	Mortgage
Record Updated	Dec 14, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000044669
Date	Mar 22, 2021
Instrument	R2021-044669

Lender

Name	EVERGREEN BANK GROUP
Type	Bank
Address	OAK BROOK, IL 60523

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	249 Months
Due	Dec 29, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	406 S PROSPECT ST, WHEATON, IL 60187-5945
Transaction Type	Mortgage
Record Updated	Dec 14, 2021
Title Company	RAVENSWOOD TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000124297
Date	Oct 23, 2020
Instrument	R2020-124297

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DU PAGE IL
Recording Date	Sep 10, 2018
Property Address	406 S PROSPECT ST, WHEATON, IL 60187-5945
Document Number	0000084613
Instrument Date	Sep 3, 2018
Instrument	84613
Transaction Type	Transfer
Record Updated	Sep 26, 2018
Title Company	MIDWEST TITLE AND APPRAISAL SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,033.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	406 S PROSPECT ST WHEATON IL 601875945, WHEATON, IL 60187-5945

Mortgage

Document Number	84614
Date	Sep 10, 2018
Instrument	84614

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 9, 2048

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	$17,487.00 (+2.17%) Homeowner's exemption	$296,710 (+8.46%) Land $37,093 Building $259,617	$890,130 (+8.46%) Land $111,279 Building $778,851
2024	$17,116.00 (+6.54%)	$273,567 (+14.95%) Land $34,200 Building $239,367	$820,701 (+14.95%) Land $102,600 Building $718,101
2022	$16,065.00 Homeowner's exemption	$237,980 Land $29,750 Building $208,230	$713,940 Land $89,250 Building $624,690

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
Nearby Flood Claims	1 (2008)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2008 · 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	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 620 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Nearby Properties on S Prospect St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures