513 S Prospect St, Wheaton, IL 60187 Property Records

DuPage County property record for 513 S Prospect St, Wheaton, IL 60187

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,570 sqft · built 2006
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$590,000 (Mar 2007)
Tax Bill	$14,862 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Jul 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`05-15-323-018`

Property Details

APN / Parcel Number

Primary APN	`05-15-323-018`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,570 sqft Living Area
Gross Area	4,414 sqft
Basement Area	1,194 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Traditional
Construction Type	Frame
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	13.2 ft deep x 6.2 ft wide
Garage Type	Attached
Garage Area	650 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	18 sqft
Deck Area	Deck Area
Patio Area	270 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Street Address	513 S PROSPECT ST
City	WHEATON
State	IL
Zip	60187-5946
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	513 PROSPECT AVE CONSOL ALL
Legal Subdivision	513 PROSPECT AVE CONSOL
Legal Lot Number	1
Jurisdiction	DU PAGE IL
Township / Civil Division	MILTON
Census Block Group	2
Census Block	2019
Census Tract	842400

Owner

Source: DuPage County records, as of August 17, 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	513 S PROSPECT ST, WHEATON, IL 60187-5946
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jul 23, 2019	Deed of Trust, Mortgage · ARM ASSOCIATED BANK NA
Sep 6, 2019	Deed of Trust, Mortgage · ARM ASSOCIATED BANK NA
Apr 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST GUARANTY MORTGAGE CORP
Nov 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage PARKSIDE LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 20, 2007 · Amount on Record
Deed Sale	Mar 20, 2007 · Amount on Record
Prior Sale	Mar 20, 2007 · Amount on Record
Deed Document Number	200750949
Prior Transfer Date	Feb 8, 2007
Prior Transfer Doc	0000153529
Record Updated	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	513 S PROSPECT ST, WHEATON, IL 60187-5946
Transaction Type	Mortgage
Record Updated	Jan 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	513 S PROSPECT ST, WHEATON, IL 60187-5946

Mortgage

Document Number	0000108034
Date	Dec 15, 2022
Instrument	R2022-108034

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Dec 15, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	513 S PROSPECT ST, WHEATON, IL 60187-5946
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000061239
Date	Jul 23, 2019
Instrument	R2019-061239

Lender

Name	ASSOCIATED BANK NA
Type	Bank
Address	GREEN BAY, WI 54301

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Aug 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.87%
Index	1-Year LIBOR
Max Rate	8.87%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	513 S PROSPECT ST, WHEATON, IL 60187-5946
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000078151
Date	Sep 6, 2019
Instrument	R2019-078151

Lender

Name	ASSOCIATED BANK NA
Type	Bank
Address	GREEN BAY, WI 54301

Agreement

Type	ARM
Amount	Amount Recorded
Term	359 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Aug 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.87%
Index	1-Year LIBOR
Max Rate	8.87%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	513 S PROSPECT ST, WHEATON, IL 60187-5946
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000042284
Date	Apr 30, 2020
Instrument	R2020-042284

Lender

Name	FIRST GUARANTY MORTGAGE CORP
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.5%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	513 S PROSPECT ST, WHEATON, IL 60187-5946
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000138430
Date	Nov 18, 2020
Instrument	R2020-138430

Lender

Name	PARKSIDE LENDING LLC
Type	Lending Institution
Address	SAN FRANCISCO, CA 94102

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3%

Tax Assessment & Valuation

Source: DuPage County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	DuPage County
County Subdivision	Milton Township
Municipality	Wheaton City
Unified School District	Community Unit School District 200 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$14,862.00 (+2.21%) Homeowner's exemption	$253,373 (+8.46%) Land $33,276 Building $220,097	$760,119 (+8.46%) Land $99,828 Building $660,291
2024	$14,540.00 (+4.88%)	$233,609 (+14.95%) Land $30,680 Building $202,929	$700,827 (+14.95%) Land $92,040 Building $608,787
2022	$13,863.00 Homeowner's exemption	$203,220 Land $26,690 Building $176,530	$609,660 Land $80,070 Building $529,590

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 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
Nearby Flood Claims	1 (2008)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2008 · 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.

Wildfire

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WHEATON serves 53,970 people · EPA ID IL0431050
Water Source	Purchased surface water from DU PAGE WATER COMMISSION
Last State Inspection	Jun 2024
Lead	2 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 620 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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