DuPage County property record for 520 S Main St, Naperville, IL 60540
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 4,599 sqft · built 1912 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $1,425,000 (Oct 2025) |
| Tax Bill | $20,594 (2025) |
| Deeds & Mortgages | Mar 2026 Transfer Oct 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-24-204-003 |
| Primary APN | 07-24-204-003 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 4,599 sqft Living Area |
| Gross Area | 5,823 sqft |
| 1st Floor Area | 1,881 sqft |
| 2nd Floor Area | 1,836 sqft |
| Basement Area | 1,836 sqft |
| Finished Basement | 612 sqft |
| Unfinished Basement | 1,224 sqft |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1912 |
|---|---|
| Effective Year Built | Effective 1912 |
| Architectural Style | Traditional |
| Construction Type | Frame |
| Lot Area | 7,841 sqft (0.18 acres) |
| Lot Dimensions | 16.3 ft deep x 5 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Water Source | Commercial |
| Street Address | 520 S MAIN ST |
|---|---|
| City | NAPERVILLE |
| State | IL |
| Zip | 60540-6511 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | MARTINS 2ND ADD |
| Legal Subdivision | MARTINS 2ND ADD |
| Legal Block | 1 |
| Legal Lot Number | 16 |
| Legal Unit | 1 |
| Jurisdiction | DU PAGE IL |
| Township / Civil Division | NAPERVILLE |
| Census Block Group | 2 |
| Census Block | 2032 |
| Census Tract | 846504 |
520 S Main St is owner-occupied and held in a trust since October 2025.
Source: DuPage County records, as of August 17, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 520 S MAIN ST, NAPERVILLE, IL 60540-6511 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 23, 2026 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Oct 2, 2025 | Warranty Deed, Transfer · Conventional Mortgage HOMETRUST MORTGAGE CORP |
| Dec 10, 2018 | Grant Deed, Transfer GUARANTEED RATE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 2, 2025 · Amount on File |
| Deed Sale | Oct 2, 2025 · Amount on File |
| Prior Sale | Dec 10, 2018 · Amount on File |
| Deed Document Number | 202562116 |
| Prior Transfer Date | Feb 24, 2012 |
| Prior Transfer Doc | 0000034382 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | DU PAGE IL |
| Recording Date | Mar 23, 2026 |
| Property Address | 520 S MAIN ST, NAPERVILLE, IL 60540-6511 |
| Document Number | 0000018217 |
| Map Reference | DOC 10068 |
| Instrument Date | Mar 10, 2026 |
| Instrument | R2026-018217 |
| Transaction Type | Transfer |
| Record Updated | Apr 8, 2026 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 520 S MAIN ST, NAPERVILLE, IL 60540-6511 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DU PAGE IL |
| Recording Date | Oct 2, 2025 |
| Property Address | 520 S MAIN ST, NAPERVILLE, IL 60540-6511 |
| Document Number | 0000062116 |
| Map Reference | DOC 10068 |
| Instrument Date | Aug 20, 2025 |
| Instrument | R2025-062116 |
| Transaction Type | Transfer |
| Record Updated | Oct 29, 2025 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,425.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 520 S MAIN ST, NAPERVILLE, IL 60540-6511 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 520 S MAIN ST, NAPERVILLE, IL 60540-6511 |
| Document Number | 0000062117 |
|---|---|
| Date | Oct 2, 2025 |
| Instrument | R2025-062117 |
| Name | HOMETRUST MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Sep 1, 2055 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | DU PAGE IL |
| Recording Date | Dec 10, 2018 |
| Property Address | 520 S MAIN ST, NAPERVILLE, IL 60540-6511 |
| Document Number | 0000113398 |
| Instrument Date | Nov 20, 2018 |
| Instrument | 113398 |
| Transaction Type | Transfer |
| Record Updated | Dec 28, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,297.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 520 S MAIN ST NAPERVILLE IL 605406511, NAPERVILLE, IL 60540-6511 |
| Document Number | 113399 |
|---|---|
| Date | Dec 10, 2018 |
| Instrument | 113399 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Dec 9, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5% |
The 2025 property tax bill for 520 S Main St was $20,594, up 4.5% from the year before.
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 | $20,594.00 (+4.5%) Homeowner's exemption | $361,213 (+9.67%) Land $92,711 Building $268,502 | $1,083,639 (+9.67%) Land $278,133 Building $805,506 |
| 2024 | $19,708.00 Homeowner's exemption | $329,363 Land $84,536 Building $244,827 | $988,089 Land $253,608 Building $734,481 |
| 2022 | $17,771.00 Homeowner's exemption | $281,050 Land $71,540 Building $209,510 | $843,150 Land $214,620 Building $628,530 |
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.
FEMA maps place 520 S Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 13 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 22 (1996–2025) |
| Claims Outside the SFHA | 6 of 22 |
| Most Recent Claim | Apr 2025 · other causes |
| Claims by Event |
|
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 520 S Main St 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 317 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Astound Broadband Cable · Fiber in parts of the area | 1,500 / 50 |
| Verizon Fixed Wireless | 1,000 / 75 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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