524 Spruce Dr, Naperville, IL 60540 Property Records

DuPage County property record for 524 Spruce Dr, Naperville, IL 60540

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,280 sqft · built 1960
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on File
Last Sale	$550,000 (Apr 2023)
Tax Bill	$10,302 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Feb 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-210-008`

Property Details

APN / Parcel Number

Primary APN	`07-25-210-008`

Interior

Full Baths	2 Baths
Stories	3 Stories
Building Area	2,280 sqft Living Area
1st Floor Area	1,656 sqft
Basement Area	624 sqft
Finished Basement	624 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Tri-Level
Construction Type	Frame
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	12 ft deep x 8 ft wide
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	524 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	22
Legal Unit	11
Jurisdiction	DU PAGE IL
Township / Civil Division	NAPERVILLE
Census Block Group	2
Census Block	2014
Census Tract	846523

Owner

524 Spruce Dr is owned by two individuals who bought it in April 2023.

Source: DuPage County records, as of October 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4502 NICKLAUS DR, CHAMPAIGN, IL 61822-1509
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
Apr 14, 2023	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Feb 9, 2022	Deed of Trust, Mortgage · Line of Credit DUPAGE CU
Jun 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage SUCCESS MORTGAGE PARTNERS INC
Jul 18, 2019	Warranty Deed, Transfer BAIRD AND WARNER TITLE SERVICES INC, BAIRD & WARNER TITLE SVCS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 14, 2023 · Amount on File
Deed Sale	Apr 14, 2023 · Amount on File
Prior Sale	Jul 18, 2019 · Amount on File
Deed Document Number	202322429
Prior Transfer Date	Apr 9, 2002
Prior Transfer Doc	0000098718
Record Updated	Oct 29, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DU PAGE IL
Recording Date	Apr 14, 2023
Property Address	524 SPRUCE DR, NAPERVILLE, IL 60540-7233
Document Number	0000022429
Map Reference	DOC 933603
Instrument Date	Mar 30, 2023
Instrument	R2023-022429
Transaction Type	Transfer
Record Updated	May 1, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$550.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	524 SPRUCE DR, NAPERVILLE, IL 60540-7233

Mortgage

Document Number	0000022430
Date	Apr 14, 2023
Instrument	R2023-022430

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

Interest

Rate Type	Fixed Rate

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	524 SPRUCE DR, NAPERVILLE, IL 60540-7233
Transaction Type	Mortgage
Record Updated	Feb 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015047
Date	Feb 9, 2022
Instrument	R2022-015047

Lender

Name	DUPAGE CU
Type	Credit Union
Address	NAPERVILLE, IL 60567

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Feb 28, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	524 SPRUCE DR, NAPERVILLE, IL 60540-7233
Transaction Type	Mortgage
Record Updated	Dec 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000063956
Date	Jun 19, 2020
Instrument	R2020-063956

Lender

Name	SUCCESS MORTGAGE PARTNERS INC
Type	Mortgage Company
Address	PLYMOUTH, MI 48170

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.37%

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DU PAGE IL
Recording Date	Jul 18, 2019
Property Address	524 SPRUCE DR, NAPERVILLE, IL 60540-7233
Document Number	0000059458
Instrument Date	Jul 8, 2019
Instrument	59458
Transaction Type	Transfer
Record Updated	Aug 5, 2019
Title Company	BAIRD AND WARNER TITLE SERVICES INC, BAIRD & WARNER TITLE SVCS INC

Transaction

Amount	Amount on Record
Tax	$660.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	524 SPRUCE DR NAPERVILLE IL 605407233, NAPERVILLE, IL 60540-7233

Tax Assessment & Valuation

The 2025 property tax bill for 524 Spruce Dr was $10,302.

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

Property Jurisdictions

Type	Name
State	Illinois
County	DuPage County
County Subdivision	Naperville 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	$10,302.00	$176,695 Land $67,641 Building $109,054	$530,085 Land $202,923 Building $327,162
2022	$8,406.00 Homeowner's exemption	$136,100 Land $51,730 Building $84,370	$408,300 Land $155,190 Building $253,110

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 524 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.

Wildfire

The area around 524 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.

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 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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