531 Cloverleaf Ct, Naperville, IL 60565 Property Records

DuPage County property record for 531 Cloverleaf Ct, Naperville, IL 60565

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 4,060 sqft · built 1988
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Last Sale	$517,000 (Nov 2017)
Tax Bill	$14,043 (2025)
Deeds & Mortgages	Apr 2017 Line of Credit Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-31-114-059`

Property Details

APN / Parcel Number

Primary APN	`08-31-114-059`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,060 sqft Living Area
Gross Area	4,421 sqft
1st Floor Area	1,723 sqft
2nd Floor Area	1,437 sqft
Basement Area	1,261 sqft
Finished Basement	900 sqft
Unfinished Basement	361 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Wood Siding
Lot Area	13,068 sqft (0.3 acres)
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Electric

Location & Zoning

Street Address	531 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	258
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	531 CLOVERLEAF CT, NAPERVILLE, IL 60565-4165
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2017	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA
Jul 16, 2020	Quit Claim Deed, Transfer MR COOPER
Nov 3, 2017	Warranty Deed, Transfer · Conventional Mortgage COMMONWEALTH MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 3, 2017 · Amount on File
Deed Sale	Nov 3, 2017 · Amount on File
Deed Document Number	2017113795
Last Transfer Date	Jun 17, 2020
Transfer Doc	0000075712
Record Updated	Sep 20, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	531 CLOVERLEAF CT, NAPERVILLE, IL 60565-4165
Transaction Type	Mortgage
Record Updated	Dec 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031554
Date	Apr 3, 2017
Instrument	R2017-031554

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Mar 29, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DU PAGE IL
Recording Date	Jul 16, 2020
Property Address	531 CLOVERLEAF CT, NAPERVILLE, IL 60565-4165
Document Number	0000075712
Instrument Date	Jun 17, 2020
Instrument	75712
Transaction Type	Transfer
Record Updated	Aug 5, 2020
Title Company	TITLE 365

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	531 CLOVERLEAF CT NAPERVILLE IL 605654165, NAPERVILLE, IL 60565-4165

Mortgage

Document Number	75713
Date	Jul 16, 2020
Instrument	75713

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 15, 2050

Interest

Rate	2.87%

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DU PAGE IL
Recording Date	Nov 3, 2017
Property Address	531 CLOVERLEAF CT, NAPERVILLE, IL 60565-4165
Document Number	0000113795
Map Reference	DOCR86-66469
Instrument Date	Oct 20, 2017
Instrument	R2017-113795
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,326.50
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 with Right of Survivorship
Address	531 CLOVERLEAF CT, NAPERVILLE, IL 60565-4165

Mortgage

Document Number	0000113796
Date	Nov 3, 2017
Instrument	R2017-113796

Lender

Name	COMMONWEALTH MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2047

Interest

Rate Type	Fixed Rate
Rate	3.5%

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	$14,043.00 (+17.28%)	$248,630 (+30.15%) Land $85,275 Building $163,355	$745,890 (+30.15%) Land $255,825 Building $490,065
2022	$11,974.00 Homeowner's exemption	$191,030 Land $65,520 Building $125,510	$573,090 Land $196,560 Building $376,530

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.

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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