DuPage County property record for 413 Spruce Dr, Naperville, IL 60540
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,173 sqft · built 1961 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $8,664 (2025) |
| Deeds & Mortgages | Feb 2026 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-25-209-026 |
| Primary APN | 07-25-209-026 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 3 Stories |
| Building Area | 2,173 sqft Living Area |
| 1st Floor Area | 1,523 sqft |
| Basement Area | 650 sqft |
| Finished Basement | 650 sqft |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1961 |
| Architectural Style | Tri-Level |
| Exterior Material | Brick |
| Construction Type | Brick |
| Lot Area | 10,890 sqft (0.25 acres) |
| Lot Dimensions | 13.4 ft deep x 8.2 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 413 SPRUCE DR |
|---|---|
| City | NAPERVILLE |
| State | IL |
| Zip | 60540-7526 |
| 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 | 5 |
| Legal Lot Number | 10 |
| Legal Unit | 11 |
| Jurisdiction | DU PAGE IL |
| Township / Civil Division | NAPERVILLE |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 846523 |
413 Spruce Dr is owner-occupied and held in a trust since February 2026.
Source: DuPage County records, as of August 17, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 413 SPRUCE DR, NAPERVILLE, IL 60540-7526 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Feb 5, 2026 |
| Transfer Doc | 0000010399 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | DU PAGE IL |
| Recording Date | Feb 18, 2026 |
| Property Address | 413 SPRUCE DR, NAPERVILLE, IL 60540-7526 |
| Document Number | 0000010399 |
| Map Reference | DOC 933603 |
| Instrument Date | Feb 5, 2026 |
| Instrument | R2026-010399 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2026 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 413 SPRUCE DR, NAPERVILLE, IL 60540-7526 |
The 2025 property tax bill for 413 Spruce Dr was $8,664, up 5.4% from the year before.
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 | $8,664.00 (+5.36%) | $164,599 (+9.67%) Land $67,641 Building $96,958 | $493,797 (+9.67%) Land $202,923 Building $290,874 |
| 2024 | $8,223.00 Homeowner's exemption Veteran's exemption | $150,086 Land $61,677 Building $88,409 | $450,258 Land $185,031 Building $265,227 |
| 2022 | $7,478.00 Homeowner's exemption Senior Citizen's exemption | $126,740 Land $51,730 Building $75,010 | $380,220 Land $155,190 Building $225,030 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 413 Spruce Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.
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.
The area around 413 Spruce Dr 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.
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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