DuPage County property record for 431 Quail Dr, Naperville, IL 60565
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 3,449 sqft · built 1988 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $440,000 (Aug 2012) |
| Tax Bill | $14,772 (2025) |
| Deeds & Mortgages | Jun 2019 Line of Credit Dec 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-31-106-028 |
| Primary APN | 08-31-106-028 |
|---|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,449 sqft Living Area |
| Gross Area | 5,377 sqft |
| 1st Floor Area | 1,928 sqft |
| 2nd Floor Area | 1,521 sqft |
| Basement Area | 1,928 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Wood Siding |
| Lot Area | 10,019 sqft (0.23 acres) |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Electric |
|---|
| Street Address | 431 QUAIL DR |
|---|---|
| City | NAPERVILLE |
| State | IL |
| Zip | 60565-4158 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | WINDING CREEK ESTATES UNIT 5 ALL |
| Legal Subdivision | WINDING CREEK ESTATES |
| Legal Lot Number | 96 |
| Legal Unit | 5 |
| Jurisdiction | DU PAGE IL |
| Township / Civil Division | LISLE |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 846207 |
431 Quail Dr is owned and occupied by two individuals who bought it in August 2012.
Source: DuPage County records, as of October 12, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 431 QUAIL DR, NAPERVILLE, IL 60565-4158 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Jun 21, 2019 | Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA |
| Dec 4, 2020 | Deed of Trust, Mortgage · Conventional Mortgage KEY MORTGAGE SERVICES INC |
| Nov 7, 2017 | Deed of Trust, Mortgage · Line of Credit PROVIDENCE BK&TR |
| Apr 20, 2017 | Deed of Trust, Mortgage · Line of Credit PROVIDENCE BK&TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 20, 2012 · Amount on File |
| Deed Sale | Aug 20, 2012 · Amount on File |
| Prior Sale | Oct 12, 2000 · Amount on File |
| Deed Document Number | 2012111260 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DU PAGE IL |
| Property Address | 431 QUAIL DR, NAPERVILLE, IL 60565-4158 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000049963 |
|---|---|
| Date | Jun 21, 2019 |
| Instrument | R2019-049963 |
| Name | BMO HARRIS BANK NA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60690 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 18, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.15% |
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DU PAGE IL |
| Property Address | 431 QUAIL DR, NAPERVILLE, IL 60565-4158 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000148461 |
|---|---|
| Date | Dec 4, 2020 |
| Instrument | R2020-148461 |
| Name | KEY MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | SCHAUMBURG, IL 60173 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Nov 1, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DU PAGE IL |
| Property Address | 431 QUAIL DR, NAPERVILLE, IL 60565-4158 |
| Document Number | 0000118023 |
| Instrument Date | Nov 7, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Dec 5, 2017 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 431 QUAIL DR NAPERVILLE IL 605654158, NAPERVILLE, IL 60565-4158 |
| Document Number | 0000118023 |
|---|---|
| Date | Nov 16, 2017 |
| Instrument | 118023 |
| Name | PROVIDENCE BK&TR |
|---|---|
| Address | SOUTH HOLLAND, IL 60473 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Nov 15, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DU PAGE IL |
| Property Address | 431 QUAIL DR, NAPERVILLE, IL 60565-4158 |
| Document Number | 0000040121 |
| Instrument Date | Apr 20, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2017 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 431 QUAIL DR NAPERVILLE IL 605654158, NAPERVILLE, IL 60565-4158 |
| Document Number | 0000040121 |
|---|---|
| Date | Apr 26, 2017 |
| Instrument | 40121 |
| Name | PROVIDENCE BK&TR |
|---|---|
| Address | SOUTH HOLLAND, IL 60473 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Apr 25, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
The 2025 property tax bill for 431 Quail Dr was $14,772 with a homeowner's exemption.
Source: DuPage County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | DuPage County |
| County Subdivision | Lisle Township |
| Municipality | Naperville City |
| Unified School District | Naperville Community Unit District 203 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $14,772.00 | $261,128 Land $85,108 Building $176,020 | $783,384 Land $255,324 Building $528,060 |
| 2022 | $12,785.00 Homeowner's exemption | $200,630 Land $65,390 Building $135,240 | $601,890 Land $196,170 Building $405,720 |
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.
FEMA maps place 431 Quail Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.
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 (2017) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 2017 · 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 431 Quail 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 491 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 Fixed Wireless · DSL | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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