DuPage County property record for 478 River Front Cir, Naperville, IL 60540
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,518 sqft · built 1987 |
| Lot Size | 0.07 acres (3,049 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $385,000 (Nov 2020) |
| Tax Bill | $9,703 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Apr 2021 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-24-114-032 |
| Primary APN | 07-24-114-032 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,518 sqft Living Area |
| 1st Floor Area | 843 sqft |
| 2nd Floor Area | 832 sqft |
| Basement Area | 843 sqft |
| Finished Basement | 843 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Townhouse |
| Exterior Material | Brick |
| Construction Type | Brick |
| Lot Area | 3,049 sqft (0.07 acres) |
| Lot Dimensions | 11.2 ft deep x 2.6 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 478 RIVER FRONT CIR |
|---|---|
| City | NAPERVILLE |
| State | IL |
| Zip | 60540-5265 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | RIVER BEND AP NO 21 ALL |
| Legal Subdivision | RIVER BEND AP NO 21 |
| Legal Lot Number | 513 |
| Legal Unit | 21 |
| Jurisdiction | DU PAGE IL |
| Township / Civil Division | NAPERVILLE |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 846504 |
478 River Front Cir is owned and occupied by two individuals who acquired it in March 2021.
Source: DuPage County records, as of August 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 478 RIVER FRONT CIR, NAPERVILLE, IL 60540-5265 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Apr 9, 2026 | Deed of Trust, Mortgage · Line of Credit FIRST AMERICAN BANK |
| Apr 1, 2021 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Nov 17, 2020 | Warranty Deed, Transfer · Conventional Mortgage PACOR MORTGAGE CORP |
| Jul 27, 2018 | Warranty Deed, Transfer · VA Mortgage USAA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 17, 2020 · Amount on File |
| Deed Sale | Nov 17, 2020 · Amount on File |
| Prior Sale | Oct 15, 2012 · Amount on File |
| Deed Document Number | 2020137763 |
| Last Transfer Date | Mar 16, 2021 |
| Transfer Doc | 0000051453 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DU PAGE IL |
| Recording Date | Apr 9, 2026 |
| Property Address | 478 RIVER FRONT CIR, NAPERVILLE, IL 60540-5265 |
| Document Number | 0000022757 |
| Instrument Date | Apr 3, 2026 |
| Instrument | 202622757 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Trust, 212 |
| Document Number | 0000022757, |
|---|---|
| Date | Apr 9, 2026 |
| Instrument | 202622757 |
| Name | FIRST AMERICAN BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | May 1, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.75% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | DU PAGE IL |
| Recording Date | Apr 1, 2021 |
| Property Address | 478 RIVER FRONT CIR, NAPERVILLE, IL 60540-5265 |
| Document Number | 0000051453 |
| Instrument Date | Mar 16, 2021 |
| Instrument | R2021-051453 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2022 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 478 RIVER FRONT CIR, NAPERVILLE, IL 60540-5265 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DU PAGE IL |
| Recording Date | Nov 17, 2020 |
| Property Address | 478 RIVER FRONT CIR, NAPERVILLE, IL 60540-5265 |
| Document Number | 0000137763 |
| Map Reference | DOC R80-73333 |
| Instrument Date | Aug 11, 2020 |
| Instrument | R2020-137763 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2022 |
| Title Company | PROPER TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $385.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 478 RIVER FRONT CIR, NAPERVILLE, IL 60540-5265 |
| Document Number | 0000137764 |
|---|---|
| Date | Nov 17, 2020 |
| Instrument | R2020-137764 |
| Name | PACOR MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 178 Months |
| Due | Sep 1, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DU PAGE IL |
| Recording Date | Jul 27, 2018 |
| Property Address | 478 RIVER FRONT CIR, NAPERVILLE, IL 60540-5265 |
| Document Number | 0000070001 |
| Instrument Date | May 15, 2018 |
| Instrument | 70001 |
| Transaction Type | Transfer |
| Record Updated | Aug 14, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 478 RIVER FRONT CIR NAPERVILLE IL 605405265, NAPERVILLE, IL 60540-5265 |
| Document Number | 70002 |
|---|---|
| Date | Jul 27, 2018 |
| Instrument | 70002 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 26, 2048 |
The 2025 property tax bill for 478 River Front Cir was $9,703 with a homeowner's exemption, up 4.8% from the year before.
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 | $9,703.00 (+4.75%) Homeowner's exemption | $174,424 (+9.67%) Land $56,754 Building $117,670 | $523,272 (+9.67%) Land $170,262 Building $353,010 |
| 2024 | $9,263.00 | $159,045 Land $51,750 Building $107,295 | $477,135 Land $155,250 Building $321,885 |
| 2022 | $8,632.00 Homeowner's exemption | $139,610 Land $45,100 Building $94,510 | $418,830 Land $135,300 Building $283,530 |
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 478 River Front 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.
The area around 478 River Front Cir 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 80 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 Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
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