416 S Prospect St, Wheaton, IL 60187 Property Records

DuPage County property record for 416 S Prospect St, Wheaton, IL 60187

Property Summary

Property Type	Single Family Home
Details	2 bd · 3.5 ba · 3,797 sqft · built 2016
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$680,000 (Nov 2014)
Tax Bill	$17,671 (2025)
Deeds & Mortgages	Jan 2020 Mortgage Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-15-321-015`

Property Details

APN / Parcel Number

Primary APN	`05-15-321-015`

Interior

Bedrooms	2 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	3,797 sqft Living Area
Gross Area	4,257 sqft
Basement Area	1,096 sqft
Finished Basement	1,096 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	15.1 ft deep x 6 ft wide
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	416 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	4
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	416 S PROSPECT ST, WHEATON, IL 60187-5945
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NA
Nov 19, 2020	Deed of Trust, Mortgage · Commercial Mortgage FIRST AMERICAN BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 6, 2014 · Amount on Record
Deed Sale	Nov 6, 2014 · Amount on Record
Prior Sale	Apr 16, 2014 · Amount on Record
Deed Document Number	2014104696
Prior Transfer Date	Sep 30, 1997
Prior Transfer Doc	0000154153
Record Updated	Sep 20, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	416 S PROSPECT ST, WHEATON, IL 60187-5945
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005302
Date	Jan 15, 2020
Instrument	R2020-005302

Lender

Name	CITIBANK NA
Type	Bank
Address	O FALLON, MO 63368

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	416 S PROSPECT ST, WHEATON, IL 60187-5945
Transaction Type	Mortgage
Record Updated	Aug 5, 2022
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000139697
Date	Nov 19, 2020
Instrument	R2020-139697

Lender

Name	FIRST AMERICAN BANK
Type	Bank
Address	HAMPSHIRE, IL 60140

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Nov 2, 2030

Interest

Rate	5.25%

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	$17,671.00 (+9.03%)	$307,539 (+24.69%) Land $36,834 Building $270,705	$922,617 (+24.69%) Land $110,502 Building $812,115
2022	$16,208.00 Homeowner's exemption	$246,650 Land $29,540 Building $217,110	$739,950 Land $88,620 Building $651,330

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.

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