528 Spruce Dr, Naperville, IL 60540 Property Records

DuPage County property record for 528 Spruce Dr, Naperville, IL 60540

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,178 sqft · built 1961
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$228,000 (Apr 2001)
Tax Bill	$9,132 (2025)
Deeds & Mortgages	Dec 2017 Line of Credit Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-210-007`

Property Details

APN / Parcel Number

Primary APN	`07-25-210-007`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	3 Stories
Building Area	2,178 sqft Living Area
1st Floor Area	1,458 sqft
Basement Area	720 sqft
Finished Basement	720 sqft

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Tri-Level
Construction Type	Frame
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	12 ft deep x 8 ft wide
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	528 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	21
Legal Unit	11
Jurisdiction	DU PAGE IL
Township / Civil Division	NAPERVILLE
Census Block Group	2
Census Block	2014
Census Tract	846523

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	528 SPRUCE DR, NAPERVILLE, IL 60540-7233
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2017	Deed of Trust, Mortgage · Line of Credit US BANK NA
Aug 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Mar 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 20, 2001 · Amount on Record
Deed Sale	Apr 20, 2001 · Amount on Record
Prior Sale	Apr 22, 1994 · Amount on Record
Deed Document Number	200170997
Last Transfer Date	May 4, 2015
Transfer Doc	0000048122
Record Updated	Sep 20, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	528 SPRUCE DR, NAPERVILLE, IL 60540-7233
Transaction Type	Mortgage
Record Updated	Dec 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000124248
Date	Dec 5, 2017
Instrument	R2017-124248

Lender

Name	US BANK NA
Type	Bank
Address	DEERFIELD, IL 60015

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Nov 10, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	528 SPRUCE DR, NAPERVILLE, IL 60540-7233
Transaction Type	Mortgage
Record Updated	Dec 14, 2021
Title Company	GREATER ILLINOIS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000073066
Date	Aug 23, 2019
Instrument	R2019-073066

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

Interest

Rate	4.62%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	528 SPRUCE DR, NAPERVILLE, IL 60540-7233
Transaction Type	Mortgage
Record Updated	Dec 14, 2021
Title Company	LAKESHORE TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000040525
Date	Mar 15, 2021
Instrument	R2021-040525

Lender

Name	UNITED HOME LOANS INC
Type	Mortgage Company
Address	WESTCHESTER, IL 60154

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.32%

Tax Assessment & Valuation

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	$9,132.00 (+17.03%)	$164,635 (+29.86%) Land $67,641 Building $96,994	$493,905 (+29.86%) Land $202,923 Building $290,982
2022	$7,803.00 Homeowner's exemption	$126,780 Land $51,730 Building $75,050	$380,340 Land $155,190 Building $225,150

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
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

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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