DuPage County property record for 512 Spruce Dr, Naperville, IL 60540
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,992 sqft · built 1960 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | Individual Name on File |
| Last Sale | $135,000 (Dec 1993) |
| Tax Bill | $8,593 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-25-210-010 |
| Primary APN | 07-25-210-010 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 3 Stories |
| Building Area | 1,992 sqft Living Area |
| 1st Floor Area | 1,344 sqft |
| Basement Area | 648 sqft |
| Finished Basement | 648 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Tri-Level |
| Exterior Material | Brick |
| Construction Type | Brick |
| Lot Area | 9,583 sqft (0.22 acres) |
| Lot Dimensions | 12 ft deep x 8 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Street Address | 512 SPRUCE DR |
|---|---|
| City | NAPERVILLE |
| State | IL |
| Zip | 60540-7233 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | MOSER HIGHLANDS UNIT 11 |
| Legal Subdivision | MOSER HIGHLANDS |
| Legal Block | 13 |
| Legal Lot Number | 24 |
| Legal Unit | 11 |
| Jurisdiction | DU PAGE IL |
| Township / Civil Division | NAPERVILLE |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 846523 |
512 Spruce Dr is owned and occupied by an individual who bought it in December 1993.
Source: DuPage County records, as of August 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 512 SPRUCE DR, NAPERVILLE, IL 60540-7233 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 8, 1993 · Amount on File |
| Deed Sale | Dec 8, 1993 · Amount on File |
| Deed Document Number | 1993285279 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DU PAGE IL |
| Property Address | 512 SPRUCE DR, NAPERVILLE, IL 60540-7233 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000124155 |
|---|---|
| Date | Aug 18, 2021 |
| Instrument | R2021-124155 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Sep 1, 2031 |
| Rate | 2.25% |
|---|
The 2025 property tax bill for 512 Spruce Dr was $8,593 with a homeowner'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 | $8,593.00 | $155,384 Land $67,641 Building $87,743 | $466,152 Land $202,923 Building $263,229 |
| 2022 | $7,340.00 Homeowner's exemption | $119,610 Land $51,730 Building $67,880 | $358,830 Land $155,190 Building $203,640 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 512 Spruce Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.
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 |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 2 (1979–1983) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Jul 1983 · rainfall accumulation |
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 512 Spruce Dr 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 450 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 |
| AT&T DSL · Fixed Wireless in parts of the area | 100 / 20 |
May also be available: T-Mobile.
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