515 Cloverleaf Ct, Naperville, IL 60565 Property Records

DuPage County property record for 515 Cloverleaf Ct, Naperville, IL 60565

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,669 sqft · built 1987
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Tax Bill	$15,233 (2025)
Deeds & Mortgages	Jun 2017 Mortgage Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-31-114-055`

Property Details

APN / Parcel Number

Primary APN	`08-31-114-055`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,669 sqft Living Area
Gross Area	5,606 sqft
1st Floor Area	1,937 sqft
2nd Floor Area	1,732 sqft
Basement Area	1,937 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Wood Siding
Lot Area	10,019 sqft (0.23 acres)
Garage Area	452 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Electric

Location & Zoning

Street Address	515 CLOVERLEAF CT
City	NAPERVILLE
State	IL
Zip	60565-4165
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	WINDING CREEK ESTATES UNIT 5 ALL
Legal Subdivision	WINDING CREEK ESTATES
Legal Lot Number	262
Legal Unit	5
Jurisdiction	DU PAGE IL
Township / Civil Division	LISLE
Census Block Group	4
Census Block	4005
Census Tract	846207

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	2 Individual Names on Record
Mailing Address	515 CLOVERLEAF CT, NAPERVILLE, IL 60565-4165
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 6, 2017	Deed of Trust, Mortgage · ARM BBMC MORTGAGE LLC
Jul 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage SYNERGY ONE LENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	515 CLOVERLEAF CT, NAPERVILLE, IL 60565-4165
Transaction Type	Mortgage
Record Updated	Dec 14, 2021
Title Company	PRECISION TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000055074
Date	Jun 6, 2017
Instrument	R2017-055074

Lender

Name	BBMC MORTGAGE LLC
Type	Government Agency
Address	LOMBARD, IL 60148

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Jun 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	6%
Index	1-Year LIBOR
Max Rate	9%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	515 CLOVERLEAF CT, NAPERVILLE, IL 60565-4165
Transaction Type	Mortgage
Record Updated	Dec 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000069927
Date	Jul 2, 2020
Instrument	R2020-069927

Lender

Name	SYNERGY ONE LENDING
Type	Mortgage Company
Address	LOMBARD, IL 60148

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	3.25%

Tax Assessment & Valuation

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	$15,233.00 (+17.67%)	$261,022 (+30.48%) Land $85,287 Building $175,735	$783,066 (+30.48%) Land $255,861 Building $527,205
2022	$12,946.00	$200,040 Land $65,530 Building $134,510	$600,120 Land $196,590 Building $403,530

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2017 · 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	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 177 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	100 / 20

May also be available: T-Mobile.

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