431 E Franklin Ave, Naperville, IL 60540 Property Records

DuPage County property record for 431 E Franklin Ave, Naperville, IL 60540 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,324 sqft · built 1900
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$515,000 (Oct 2007)
Tax Bill	$11,527 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`08-18-307-012`

Property Details

APN / Parcel Number

Primary APN	`08-18-307-012`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,324 sqft Living Area
Gross Area	3,101 sqft
1st Floor Area	1,089 sqft
2nd Floor Area	923 sqft
Basement Area	1,089 sqft
Finished Basement	312 sqft
Unfinished Basement	777 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	8,712 sqft (0.2 acres)
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	431 E FRANKLIN AVE
City	NAPERVILLE
State	IL
Zip	60540-4719
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SLEIGHTS COLLEGE ADD E 85 FT & E 85 FT
Legal Subdivision	SLEIGHTS COLLEGE ADD
Legal Block	2
Legal Lot Number	10
Jurisdiction	DU PAGE IL
Township / Civil Division	LISLE
Census Block Group	3
Census Block	3022
Census Tract	846103

Owner

Source: DuPage County records · APN 08-18-307-012

Assessment roll updated August 17, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	431 E FRANKLIN AVE, NAPERVILLE, IL 60540-4719
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 15, 2007 · Amount on Record
Deed Sale	Oct 15, 2007 · Amount on Record
Deed Document Number	2007187316
Record Updated	Sep 20, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	431 E FRANKLIN AVE, NAPERVILLE, IL 60540-4719
Transaction Type	Mortgage
Record Updated	Jun 08, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 E FRANKLIN AVE, NAPERVILLE, IL 60540-4719

Mortgage

Document Number	0000056663
Date	Sep 01, 2023
Instrument	R2023-056663

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Aug 30, 2053

Interest

Rate Type	Adjustable Rate
Rate	8.76%
Change Frequency	Monthly

Tax Assessment & Valuation

Source: DuPage County records · Assessment roll updated August 17, 2026 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$11,527.00 (+13.24%)	$213,526 (+26.88%) Land $131,890 Building $81,636	$640,578 (+26.88%) Land $395,670 Building $244,908
2022	$10,179.00 Homeowner's exemption Senior Citizen's exemption	$168,290 Land $103,950 Building $64,340	$504,870 Land $311,850 Building $193,020

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, DuPage County (17043C), updated September 1, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.