DuPage County property record for 435 River Bluff Cir, Naperville, IL 60540
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,850 sqft · built 1987 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $7,469 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-24-109-004 |
| Primary APN | 07-24-109-004 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,850 sqft Living Area |
| Gross Area | 3,700 sqft |
| 1st Floor Area | 1,850 sqft |
| Basement Area | 1,850 sqft |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Brick |
| Lot Area | 14,810 sqft (0.34 acres) |
| Lot Dimensions | 16.1 ft deep x 9.4 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 435 RIVER BLUFF CIR |
|---|---|
| City | NAPERVILLE |
| State | IL |
| Zip | 60540-5272 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | RIVER BEND AP NO 23 ALL |
| Legal Subdivision | RIVER BEND AP NO 23 |
| Legal Block | 5 |
| Legal Lot Number | 135 |
| Jurisdiction | DU PAGE IL |
| Township / Civil Division | NAPERVILLE |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 846504 |
435 River Bluff Cir is owned and occupied by an individual.
Source: DuPage County records, as of August 17, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 435 RIVER BLUFF CIR, NAPERVILLE, IL 60540-5272 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 435 River Bluff Cir was $7,469 with a veteran's exemption.
Source: DuPage County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | DuPage County |
| County Subdivision | Naperville Township |
| Municipality | Naperville City |
| Unified School District | Naperville Community Unit District 203 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,469.00 | $192,389 Land $58,206 Building $134,183 | $577,167 Land $174,618 Building $402,549 |
| 2022 | $8,600.00 Homeowner's exemption Senior Citizen's exemption | $157,100 Land $47,170 Building $109,930 | $471,300 Land $141,510 Building $329,790 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 435 River Bluff Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 13 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 22 (1996–2025) |
| Claims Outside the SFHA | 6 of 22 |
| Most Recent Claim | Apr 2025 · other causes |
| Claims by Event |
|
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 risk around 435 River Bluff Cir is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 94% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 329 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 | 1,000 / 75 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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