418 W Franklin St, Wheaton, IL 60187 Property Records

DuPage County property record for 418 W Franklin St, Wheaton, IL 60187

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,050 sqft · built 1882
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,055,500 (Dec 2025)
Tax Bill	$17,216 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Jul 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-17-225-005`

Property Details

APN / Parcel Number

Primary APN	`05-17-225-005`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,050 sqft Living Area
Gross Area	4,588 sqft
Basement Area	1,009 sqft

Exterior

Year Built	Built 1882
Effective Year Built	Effective 1931
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,326 sqft (0.26 acres)
Lot Dimensions	15 ft deep x 7.5 ft wide
Garage Type	Attached
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	298 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	418 W FRANKLIN ST
City	WHEATON
State	IL
Zip	60187-4008
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	WM W THOMPSONS ASSMT PLAT
Legal Subdivision	WM W THOMPSONS ASSMT PLAT
Legal Lot Number	4
Jurisdiction	DU PAGE IL
Township / Civil Division	MILTON
Census Block Group	1
Census Block	1026
Census Tract	842500

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	662 CASSIE DR, JOLIET, IL 60435-5146
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2025	Warranty Deed, Transfer · Conventional Mortgage OLD SECOND NATIONAL BANK
Jul 13, 2022	Warranty Deed, Transfer · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Jul 20, 2021	Warranty Deed, Transfer · Conventional Mortgage CITIBANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 2025 · Amount on Record
Deed Sale	Dec 15, 2025 · Amount on Record
Prior Sale	Jul 13, 2022 · Amount on Record
Deed Document Number	202580886
Prior Transfer Date	Sep 16, 2015
Prior Transfer Doc	0000111378
Record Updated	Sep 20, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DU PAGE IL
Recording Date	Dec 15, 2025
Property Address	418 W FRANKLIN ST, WHEATON, IL 60187-4008
Document Number	0000080886
Instrument Date	Dec 5, 2025
Instrument	R2025-080886
Transaction Type	Transfer
Record Updated	Jan 2, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,055.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	418 W FRANKLIN ST, WHEATON, IL 60187-4008

Mortgage

Document Number	0000080887
Date	Dec 15, 2025
Instrument	R2025-080887

Lender

Name	OLD SECOND NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	Jan 1, 2031
Change Frequency	6 Months
Min Rate At Change	3.37%
Max Rate At Change	7.37%
Index	SOFR Average 30-Day
Max Rate	10.3%

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DU PAGE IL
Recording Date	Jul 13, 2022
Property Address	418 W FRANKLIN ST, WHEATON, IL 60187-4008
Document Number	0000066253
Instrument Date	Jun 24, 2022
Instrument	R2022-066253
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$882.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	418 W FRANKLIN ST, WHEATON, IL 60187-4008

Mortgage

Document Number	0000066254
Date	Jul 13, 2022
Instrument	R2022-066254

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DU PAGE IL
Recording Date	Jul 20, 2021
Property Address	418 W FRANKLIN ST, WHEATON, IL 60187-4008
Document Number	0000109317
Instrument Date	Jul 16, 2021
Instrument	R2021-109317
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	ATTORNEY'S TITLE, ATTORNEYS TTL GUARANTY FUND

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$785.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	418 W FRANKLIN ST, WHEATON, IL 60187-4008

Mortgage

Document Number	0000109318
Date	Jul 20, 2021
Instrument	R2021-109318

Lender

Name	CITIBANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Aug 1, 2031
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.75%
Index	1-Year LIBOR
Max Rate	7.75%

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	$17,216.00 (+2.17%)	$292,232 (+8.46%) Land $54,131 Building $238,101	$876,696 (+8.46%) Land $162,393 Building $714,303
2024	$16,850.00 (+6.54%) Homeowner's exemption	$269,438 (+14.96%) Land $49,909 Building $219,529	$808,314 (+14.96%) Land $149,727 Building $658,587
2022	$15,816.00 Homeowner's exemption	$234,380 Land $43,410 Building $190,970	$703,140 Land $130,230 Building $572,910

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	67 (1978–2020)
Claims Outside the SFHA	37 of 67
Most Recent Claim	May 2020 · rainfall accumulation
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 14 claims Severe Storms And Flooding, Jul 2010 · 16 claims Severe Storms & Flooding, Aug 1987 · 8 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

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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