4812 Clearwater Ln, Naperville, IL 60564 Property Records

Will County property record for 4812 Clearwater Ln, Naperville, IL 60564

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,290 sqft · built 1996
Lot Size	0.33 acres (14,374 sqft)
Owner	Individual Name on Record
Last Sale	$390,000 (Aug 2015)
Tax Bill	$12,178 (2025)
Deeds & Mortgages	Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-01-15-406-003`

Property Details

APN / Parcel Number

Primary APN	`07-01-15-406-003`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,290 sqft Total Area
1st Floor Area	1,266 sqft
2nd Floor Area	1,024 sqft
Basement Area	1,266 sqft
Finished Basement	1,266 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Traditional
Construction Type	Frame
Lot Area	14,374 sqft (0.33 acres)
Lot Dimensions	143 ft deep x 76 ft wide
Garage Type	Attached
Garage Area	425 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	4812 CLEARWATER LN
City	NAPERVILLE
State	IL
Zip	60564-4313
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 111 IN SADDLE CREEK UNIT 2, BEING A SUB OF PRT OF THE SE1/4 OF SEC. 15, T37N-R9E.
Legal Range	09E
Legal Township	37N
Legal Section	15
Legal Subdivision	SADDLE CREEK
Legal Block	2
Legal Lot Number	111
Legal Unit	2
Jurisdiction	WILL IL
Township / Civil Division	WHEATLAND
Census Block Group	4
Census Block	4012
Census Tract	880309

Owner

Source: Will County records, as of August 24, 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 Record
Mailing Address	4812 CLEARWATER LN, NAPERVILLE, IL 60564-4313
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 28, 2015 · Amount on Record
Deed Sale	Aug 28, 2015 · Amount on Record
Prior Sale	May 9, 2007 · Amount on Record
Deed Document Number	201574656
Last Transfer Date	May 27, 2020
Transfer Doc	0000054681
Record Updated	Oct 29, 2026

July 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WILL IL
Recording Date	Jul 10, 2020
Property Address	4812 CLEARWATER LN, NAPERVILLE, IL 60564-4313
Document Number	0000054681
Map Reference	DOC R95-76553
Instrument Date	May 27, 2020
Instrument	R2020054681
Transaction Type	Transfer
Record Updated	Nov 4, 2021
Title Company	TRANSTAR NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4812 CLEARWATER LN, NAPERVILLE, IL 60564-4313

Mortgage

Document Number	0000054682
Date	Jul 10, 2020
Instrument	R2020054682

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

Source: Will County assessment roll, as of August 24, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Will County
County Subdivision	Wheatland Township
Municipality	Naperville City
Unified School District	Indian Prairie Community Unit School District 204 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$12,178.00 (+22.07%)	$195,339 (+9.95%) Land $48,583 Building $146,756	$586,017 (+9.95%) Land $145,749 Building $440,268
2024		$177,661 (+29.02%) Land $44,186 Building $133,475	$532,983 (+29.02%) Land $132,558 Building $400,425
2022	$9,976.00	$137,704 Land $36,925 Building $100,779	$413,112 Land $110,775 Building $302,337

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.

Flood

Source: FEMA National Flood Hazard Layer, effective June 11, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	1 in force

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

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.

Drinking Water

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

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 348 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20