415 River Bluff Cir, Naperville, IL 60540 Property Records

DuPage County property record for 415 River Bluff Cir, Naperville, IL 60540

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,850 sqft · built 1986
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Last Sale	$609,000 (Jul 2023)
Tax Bill	$10,442 (2025)
Deeds & Mortgages	Jul 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-13-322-005`

Property Details

APN / Parcel Number

Primary APN	`07-13-322-005`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,850 sqft Living Area
Gross Area	3,664 sqft
1st Floor Area	1,850 sqft
Basement Area	1,814 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Lot Area	6,534 sqft (0.15 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	415 RIVER BLUFF CIR
City	NAPERVILLE
State	IL
Zip	60540-5272
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	RIVER BEND A P NO 17 ALL
Legal Subdivision	RIVER BEND A P NO 17
Legal Block	5
Legal Lot Number	132
Legal Unit	17
Jurisdiction	DU PAGE IL
Township / Civil Division	NAPERVILLE
Census Block Group	2
Census Block	2012
Census Tract	846504

Owner

415 River Bluff Cir is owned by two individuals who bought it in July 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	1224 OLYMPUS DR, NAPERVILLE, IL 60540-7916
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2023 · Amount on File
Deed Sale	Jul 14, 2023 · Amount on File
Prior Sale	Jan 13, 2015 · Amount on File
Deed Document Number	202344208
Record Updated	Sep 20, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	415 RIVER BLUFF CIR, NAPERVILLE, IL 60540-5272
Transaction Type	Mortgage
Record Updated	Jul 31, 2023
Title Company	CITYWIDE TITLE CORPORATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1224 OLYMPUS DR, NAPERVILLE, IL 60540-7916

Mortgage

Document Number	0000044209
Date	Jul 14, 2023
Instrument	R2023-044209

Lender

Name	LISLE SAVINGS BANK
Type	Bank
Address	LISLE, IL 60532

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 415 River Bluff Cir was $10,442.

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

Property Jurisdictions

Type	Name
State	Illinois
County	DuPage County
County Subdivision	Naperville Township
Municipality	Naperville City
Unified School District	Naperville Community Unit District 203 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,442.00	$187,093 Land $54,594 Building $132,499	$561,279 Land $163,782 Building $397,497
2022	$8,962.00 Homeowner's exemption Senior Citizen's exemption	$152,800 Land $44,240 Building $108,560	$458,400 Land $132,720 Building $325,680

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 415 River Bluff Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 13 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	22 (1996–2025)
Claims Outside the SFHA	6 of 22
Most Recent Claim	Apr 2025 · other causes
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 6 claims Severe Storms And Flooding, Sep 2008 · 13 claims

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

Wildfire risk around 415 River Bluff Cir is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 315 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	1,000 / 75
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20