490 White Oak Dr, Naperville, IL 60540 Property Records

DuPage County property record for 490 White Oak Dr, Naperville, IL 60540

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,419 sqft · built 1950
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$1,050,000 (Sep 2026)
Tax Bill	$16,971 (2025)
Deeds & Mortgages	Sep 2026 Sale Apr 2019 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`08-19-204-003`

Property Details

APN / Parcel Number

Primary APN	`08-19-204-003`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,419 sqft Living Area
Gross Area	4,119 sqft
1st Floor Area	1,909 sqft
2nd Floor Area	770 sqft
Basement Area	1,440 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Cape Cod
Lot Area	10,454 sqft (0.24 acres)
Garage Area	588 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	490 WHITE OAK DR
City	NAPERVILLE
State	IL
Zip	60540-5539
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	SHIFFLER BROS OAK HILLS N 80 FT ON W LN X N 90 FT ON E LN
Legal Subdivision	SHIFFLER BROS OAK HILLS
Legal Lot Number	56
Jurisdiction	DU PAGE IL
Township / Civil Division	LISLE
Census Block Group	2
Census Block	2015
Census Tract	846209

Owner

490 White Oak Dr is owned and occupied by two individuals who bought it in September 2026.

Source: DuPage County records, as of September 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	465 WHITE OAK DR, NAPERVILLE, IL 60540-5538
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2026	Warranty Deed, Transfer PROPER TITLE LLC, PROPER TITLE
Apr 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage CHICAGO FINANCIAL SERVICES INC
Jun 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage CHICAGO FINANCIAL SERVICES INC
Apr 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage CHICAGO FINANCIAL SERVICES INC
Nov 7, 2019	Deed of Trust, Mortgage · Conventional Mortgage CHICAGO FIN'L SVCS
Oct 2, 2018	Warranty Deed, Transfer · ARM CHICAGO FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 2, 2026 · Amount on File
Deed Sale	Sep 2, 2026 · Amount on File
Prior Sale	Oct 2, 2018 · Amount on File
Deed Document Number	202660581
Prior Transfer Date	Feb 14, 2002
Prior Transfer Doc	0000100537
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DU PAGE IL
Recording Date	Sep 2, 2026
Property Address	490 WHITE OAK DR, NAPERVILLE, IL 60540-5539
Document Number	0000060581
Instrument Date	Jul 24, 2026
Instrument	202660581
Transaction Type	Transfer
Record Updated	Sep 11, 2026
Title Company	PROPER TITLE LLC, PROPER TITLE

Transaction

Amount	Amount on Record
Tax	$159,075.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	465 WHITE OAK DR, NAPERVILLE, IL 60540-5538

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	490 WHITE OAK DR, NAPERVILLE, IL 60540-5539
Transaction Type	Mortgage
Record Updated	Dec 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031862
Date	Apr 29, 2019
Instrument	R2019-031862

Lender

Name	CHICAGO FINANCIAL SERVICES INC
Type	Funding / Finance Company
Address	CHICAGO, IL 60642

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4.12%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	490 WHITE OAK DR, NAPERVILLE, IL 60540-5539
Transaction Type	Mortgage
Record Updated	Dec 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000067350
Date	Jun 29, 2020
Instrument	R2020-067350

Lender

Name	CHICAGO FINANCIAL SERVICES INC
Type	Funding / Finance Company
Address	CHICAGO, IL 60642

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.37%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	490 WHITE OAK DR, NAPERVILLE, IL 60540-5539
Transaction Type	Mortgage
Record Updated	Dec 14, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000059569
Date	Apr 15, 2021
Instrument	R2021-059569

Lender

Name	CHICAGO FINANCIAL SERVICES INC
Type	Funding / Finance Company
Address	CHICAGO, IL 60642

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	490 WHITE OAK DR, NAPERVILLE, IL 60540-5539
Document Number	0000106442
Instrument Date	Nov 7, 2019
Transaction Type	Mortgage
Record Updated	Dec 10, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	490 WHITE OAK DR NAPERVILLE IL 605405539, NAPERVILLE, IL 60540-5539

Mortgage

Document Number	0000106442
Date	Nov 26, 2019
Instrument	106442

Lender

Name	CHICAGO FIN'L SVCS
Type	Funding / Finance Company
Address	CHICAGO, IL 60642

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 25, 2049

Interest

Rate Type	Fixed Rate
Rate	3.75%

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DU PAGE IL
Recording Date	Oct 2, 2018
Property Address	490 WHITE OAK DR, NAPERVILLE, IL 60540-5539
Document Number	0000092797
Map Reference	DOC505208
Instrument Date	Sep 19, 2018
Instrument	R2018-092797
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	CHICAGO TITLE INSURANCE COMP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	490 WHITE OAK DR, 490, NAPERVILLE, IL 60540-5539

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	490 WHITE OAK DR, NAPERVILLE, IL 60540-5539

Mortgage

Document Number	0000092798
Date	Oct 2, 2018
Instrument	R2018-092798

Lender

Name	CHICAGO FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Oct 1, 2028
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.37%
Index	1-Year LIBOR
Max Rate	9.37%

Tax Assessment & Valuation

The 2025 property tax bill for 490 White Oak Dr was $16,971 with a homeowner's exemption.

Source: DuPage County assessment roll, as of August 17, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$16,971.00	$298,801 Land $128,715 Building $170,086	$896,403 Land $386,145 Building $510,258
2022	$14,395.00 Homeowner's exemption	$228,430 Land $98,400 Building $130,030	$685,290 Land $295,200 Building $390,090

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

FEMA maps place 490 White Oak Dr in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2008.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

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

Wildfire risk around 490 White Oak Dr 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 95% of the US · lower than 70% 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 404 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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