521 S Naperville Rd, Wheaton, IL 60187 Property Records

DuPage County property record for 521 S Naperville Rd, Wheaton, IL 60187

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,160 sqft · built 1907
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Individual Names on File
Last Sale	$595,000 (Jul 2026)
Tax Bill	$10,221 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Oct 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-16-339-007`

Property Details

APN / Parcel Number

Primary APN	`05-16-339-007`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,160 sqft Living Area
Gross Area	3,292 sqft
Basement Area	1,132 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1907
Effective Year Built	Effective 1907
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,860 sqft (0.41 acres)
Lot Dimensions	21.2 ft deep x 8.2 ft wide
Porch	Open Porch
Porch Area	101 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water

Location & Zoning

Street Address	521 S NAPERVILLE RD
City	WHEATON
State	IL
Zip	60187-5505
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	CO CLKS ASSMT DIV OF UNSUB LANDS /S OF RR/ S 82 1/2 FT OF N 396 FT
Legal Subdivision	CO CLKS ASSMT
Legal Lot Number	23
Jurisdiction	DU PAGE IL
Township / Civil Division	MILTON
Census Block Group	3
Census Block	3007
Census Tract	842400

Owner

521 S Naperville Rd is owned by two individuals who bought it in July 2026.

Source: DuPage County records, as of August 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2018 FARMINGTON LAKES DR, OSWEGO, IL 60543-8124
Owner Type	Individual
Vesting	Joint Tenants

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
Jul 1, 2026	Warranty Deed, Transfer · Conventional Mortgage NAVY FEDERAL CREDIT UNION
Oct 31, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST COMMUNITY MORTGAGE INC
Nov 19, 2020	Warranty Deed, Transfer · Conventional Mortgage MUTUAL FEDERAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2026 · Amount on File
Deed Sale	Jul 1, 2026 · Amount on File
Prior Sale	Oct 31, 2022 · Amount on File
Deed Document Number	202644557
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DU PAGE IL
Recording Date	Jul 1, 2026
Property Address	521 S NAPERVILLE RD, WHEATON, IL 60187-5505
Document Number	0000044557
Instrument Date	Jun 19, 2026
Instrument	202644557
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	BAIRD AND WARNER TITLE SERVICES INC, BAIRD & WARNER TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$90,142.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	0000044558,
Date	Jul 1, 2026
Instrument	202644558

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.75%
Initial Type	Fixed Rate
Max Rate	-1%

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DU PAGE IL
Recording Date	Oct 31, 2022
Property Address	521 S NAPERVILLE RD, WHEATON, IL 60187-5505
Document Number	0000097590
Instrument Date	Oct 1, 2022
Instrument	R2022-097590
Transaction Type	Transfer
Record Updated	Aug 2, 2023
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	521 S NAPERVILLE RD, WHEATON, IL 60187-5505

Mortgage

Document Number	0000097591
Date	Oct 31, 2022
Instrument	R2022-097591

Lender

Name	FIRST COMMUNITY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Fixed Rate
Rate	6.25%

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DU PAGE IL
Recording Date	Nov 19, 2020
Property Address	521 S NAPERVILLE RD, WHEATON, IL 60187-5505
Document Number	0000140283
Instrument Date	Oct 28, 2020
Instrument	R2020-140283
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	PRECISION TITLE COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$230.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	175 S 1ST ST, KANKAKEE, IL 60901-7943

Mortgage

Document Number	0000140284
Date	Nov 19, 2020
Instrument	R2020-140284

Lender

Name	MUTUAL FEDERAL BANK
Type	Bank

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 521 S Naperville Rd was $10,221, up 2.3% from the year before.

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	$10,221.00 (+2.34%) Homeowner's exemption	$176,746 (+8.46%) Land $34,525 Building $142,221	$530,238 (+8.46%) Land $103,575 Building $426,663
2024	$9,987.00	$162,960 Land $31,832 Building $131,128	$488,880 Land $95,496 Building $393,384
2022	$11,341.00	$163,770 Land $27,690 Building $136,080	$491,310 Land $83,070 Building $408,240

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 521 S Naperville Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

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 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2020 · 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

The area around 521 S Naperville Rd 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.

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 396 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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