Will County property record for 4840 Clearwater Ln, Naperville, IL 60564
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,680 sqft · built 1997 |
| Lot Size | 0.25 acres (10,872 sqft) |
| Owner | Company Name on Record |
| Last Sale | $358,000 (Sep 2003) |
| Tax Bill | $13,049 (2025) |
| Deeds & Mortgages | Jan 2024 Second Mortgage Apr 2017 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-01-15-406-018 |
| Primary APN | 07-01-15-406-018 |
|---|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,680 sqft Total Area |
| 1st Floor Area | 1,289 sqft |
| 2nd Floor Area | 1,391 sqft |
| Basement Area | 1,289 sqft |
| Unfinished Basement | 1,289 sqft |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Construction Type | Frame |
| Lot Area | 10,872 sqft (0.25 acres) |
| Garage Area | 439 sqft |
| Street Address | 4840 CLEARWATER LN |
|---|---|
| City | NAPERVILLE |
| State | IL |
| Zip | 60564-4339 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 198 IN SADDLE CREEK UNIT 3, IN THE W1/2 SE1/4 SEC 15 T37N-R9E. |
| Legal Range | 09E |
| Legal Township | 37N |
| Legal Section | 15 |
| Legal Subdivision | SADDLE CREEK |
| Legal Block | 3 |
| Legal Lot Number | 198 |
| Legal Unit | 3 |
| Jurisdiction | WILL IL |
| Township / Civil Division | WHEATLAND |
| Census Block Group | 4 |
| Census Block | 4012 |
| Census Tract | 880309 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 4840 CLEARWATER LN, NAPERVILLE, IL 60564-4339 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Jan 5, 2024 | Affidavit, Transfer · Stand-Alone Second Mortgage GREENSTATE CU |
| Apr 18, 2017 | Deed of Trust, Mortgage · Conventional Mortgage TOWNSTONE FINANCIAL INC |
| Sep 10, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Mar 19, 2021 | Intrafamily Transfer, Transfer ATTORNEY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 3, 2003 · Amount on Record |
| Deed Sale | Sep 3, 2003 · Amount on Record |
| Prior Sale | Jul 9, 1997 · Amount on Record |
| Deed Document Number | 2003216603 |
| Prior Transfer Date | Jun 27, 1997 |
| Prior Transfer Doc | 0000057028 |
| Record Updated | Oct 29, 2026 |
| Document Type | Affidavit |
|---|---|
| Jurisdiction | WILL IL |
| Recording Date | Jan 5, 2024 |
| Property Address | 4840 CLEARWATER LN, NAPERVILLE, IL 60564-4339 |
| Document Number | 0000000817 |
| Map Reference | DOC R96-94477 |
| Instrument Date | Dec 29, 2023 |
| Instrument | R2024000817 |
| Transaction Type | Transfer |
| Record Updated | Jan 18, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2355 LANDON RD, NORTH LIBERTY, IA 52317-6508 |
| Document Number | 0000000818 |
|---|---|
| Date | Jan 5, 2024 |
| Instrument | R2024000818 |
| Name | GREENSTATE CU |
|---|---|
| Type | Credit Union |
| Address | NORTH LIBERTY, IA 52317 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jan 15, 2029 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WILL IL |
| Property Address | 4840 CLEARWATER LN, NAPERVILLE, IL 60564-4339 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2022 |
| Title Company | PRAIRIE TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000030244 |
|---|---|
| Date | Apr 18, 2017 |
| Instrument | R2017030244 |
| Name | TOWNSTONE FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Address | CHICAGO, IL 60607 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 1, 2032 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.37% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WILL IL |
| Property Address | 4840 CLEARWATER LN, NAPERVILLE, IL 60564-4339 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2022 |
| Title Company | PRAIRIE TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000076677 |
|---|---|
| Date | Sep 10, 2020 |
| Instrument | R2020076677 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2035 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | WILL IL |
| Recording Date | Mar 19, 2021 |
| Property Address | 4840 CLEARWATER LN, NAPERVILLE, IL 60564-4339 |
| Document Number | 0000031567 |
| Map Reference | DOC R96-9447 |
| Instrument Date | Mar 9, 2021 |
| Instrument | R2021031567 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4840 CLEARWATER LN, NAPERVILLE, IL 60564-4339 |
Source: Will County assessment roll, as of August 24, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $13,049.00 (+22.71%) | $217,303 (+9.95%) Land $48,583 Building $168,720 | $651,909 (+9.95%) Land $145,749 Building $506,160 |
| 2024 | $197,638 (+29.36%) Land $44,186 Building $153,452 | $592,914 (+29.36%) Land $132,558 Building $460,356 | |
| 2022 | $10,634.00 Homeowner's exemption | $152,786 Land $36,925 Building $115,861 | $458,358 Land $110,775 Building $347,583 |
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.
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 |
|---|---|
| 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.
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 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 |
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