540 Flock Ave, Naperville, IL 60565 Property Records

DuPage County property record for 540 Flock Ave, Naperville, IL 60565

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,918 sqft · built 1987
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$530,000 (Oct 2021)
Tax Bill	$12,220 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-31-104-015`

Property Details

APN / Parcel Number

Primary APN	`08-31-104-015`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,918 sqft Living Area
Gross Area	4,073 sqft
1st Floor Area	1,483 sqft
2nd Floor Area	1,435 sqft
Basement Area	1,155 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Wood Siding
Lot Area	10,019 sqft (0.23 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Electric

Location & Zoning

Street Address	540 FLOCK AVE
City	NAPERVILLE
State	IL
Zip	60565-1298
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	WINDING CREEK ESTATES UNIT 3 ALL
Legal Subdivision	WINDING CREEK ESTATES
Legal Lot Number	288
Legal Unit	3
Jurisdiction	DU PAGE IL
Township / Civil Division	LISLE
Census Block Group	4
Census Block	4001
Census Tract	846207

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	2 Individual Names on Record
Mailing Address	540 FLOCK AVE, NAPERVILLE, IL 60565-1298
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2026	Deed of Trust, Mortgage · Line of Credit ALLIANT CREDIT UNION
Oct 4, 2021	Warranty Deed, Transfer · Conventional Mortgage PACOR MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2021 · Amount on Record
Deed Sale	Oct 4, 2021 · Amount on Record
Prior Sale	Sep 21, 1994 · Amount on Record
Deed Document Number	2021146557
Prior Transfer Date	Oct 7, 1993
Prior Transfer Doc	0000270942
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Recording Date	Jul 23, 2026
Property Address	540 FLOCK AVE, NAPERVILLE, IL 60565-1298
Document Number	0000050545
Instrument Date	May 29, 2026
Instrument	202650545
Transaction Type	Mortgage
Record Updated	Aug 4, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298

Mortgage

Document Number	0000050545,
Date	Jul 23, 2026
Instrument	202650545

Lender

Name	ALLIANT CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DU PAGE IL
Recording Date	Oct 4, 2021
Property Address	540 FLOCK AVE, NAPERVILLE, IL 60565-1298
Document Number	0000146557
Map Reference	DOC R85-70110
Instrument Date	Jul 27, 2021
Instrument	R2021-146557
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$530.00
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	540 FLOCK AVE, NAPERVILLE, IL 60565-1298

Mortgage

Document Number	0000146558
Date	Oct 4, 2021
Instrument	R2021-146558

Lender

Name	PACOR MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.12%

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	$12,220.00 (+17.26%)	$217,391 (+30.15%) Land $85,108 Building $132,283	$652,173 (+30.15%) Land $255,324 Building $396,849
2022	$10,421.00 Homeowner's exemption	$167,030 Land $65,390 Building $101,640	$501,090 Land $196,170 Building $304,920

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	Low lower than 99.8% of the US · lower than 99.8% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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.

Nearby Properties on Flock Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures