432 S Wright St, Naperville, IL 60540 Property Records

DuPage County property record for 432 S Wright St, Naperville, IL 60540

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,514 sqft · built 2003
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$845,000 (Jul 2014)
Tax Bill	$22,678 (2025)
Deeds & Mortgages	Dec 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`08-19-201-005`

Property Details

APN / Parcel Number

Primary APN	`08-19-201-005`

Interior

Full Baths	4 Baths
Stories	2 Stories
Building Area	3,514 sqft Living Area
Gross Area	5,312 sqft
1st Floor Area	1,798 sqft
2nd Floor Area	1,716 sqft
Basement Area	1,798 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Wood Siding
Lot Area	8,712 sqft (0.2 acres)
Garage Area	594 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	432 S WRIGHT ST
City	NAPERVILLE
State	IL
Zip	60540-5447
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	MC INTOSH NAPERVILLE HIGHLANDS
Legal Subdivision	MC INTOSH NAPERVILLE HIGHLANDS
Legal Block	6
Legal Lot Number	23
Jurisdiction	DU PAGE IL
Township / Civil Division	LISLE
Census Block Group	2
Census Block	2022
Census Tract	846209

Owner

Source: DuPage County records · APN 08-19-201-005

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	2 Individual Names on File
Mailing Address	432 S WRIGHT ST, NAPERVILLE, IL 60540-5447
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 14, 2014 · Amount on Record
Deed Sale	Jul 14, 2014 · Amount on Record
Prior Sale	Aug 22, 2003 · Amount on Record
Deed Document Number	201460820
Prior Transfer Date	May 12, 2011
Prior Transfer Doc	0000064112
Record Updated	Sep 20, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	432 S WRIGHT ST, NAPERVILLE, IL 60540-5447
Transaction Type	Mortgage
Record Updated	Dec 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000111744
Date	Dec 05, 2018
Instrument	R2018-111744

Lender

Name	CITIBANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 04, 2048

Interest

Rate Type	Adjustable Rate
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	$22,678.00 (+7%)	$396,586 (+18.92%) Land $134,519 Building $262,067	$1,189,758 (+18.92%) Land $403,557 Building $786,201
2022	$21,195.00 Homeowner's exemption	$333,500 Land $113,120 Building $220,380	$1,000,500 Land $339,360 Building $661,140

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 1, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	4 (2008–2020)
Claims Outside the SFHA	3 of 4
Most Recent Claim	May 2020 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Sep 2008 · 2 claims

Wildfire

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Radiate Holdings Cable	1,500 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

Based on FCC filings for 417 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	NAPERVILLE serves 156,406 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.