552 Spruce Dr, Naperville, IL 60540 Property Records

DuPage County property record for 552 Spruce Dr, Naperville, IL 60540

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,052 sqft · built 1961
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on Record
Last Sale	$165,000 (Sep 1997)
Tax Bill	$8,942 (2025)
Deeds & Mortgages	Sep 2017 Line of Credit Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-210-004`

Property Details

APN / Parcel Number

Primary APN	`07-25-210-004`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	3 Stories
Building Area	2,052 sqft Living Area
1st Floor Area	1,376 sqft
Basement Area	676 sqft
Finished Basement	676 sqft

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Tri-Level
Exterior Material	Brick
Construction Type	Brick
Lot Area	10,454 sqft (0.24 acres)
Lot Dimensions	12.1 ft deep x 8.5 ft wide
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	552 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	18
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	2 Individual Names on Record
Mailing Address	552 SPRUCE DR, NAPERVILLE, IL 60540-7233
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2017	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
Jul 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage CHICAGO FINANCIAL SERVICES INC
May 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage DUPAGE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 3, 1997 · Amount on Record
Deed Sale	Sep 3, 1997 · Amount on Record
Deed Document Number	1997130294
Prior Transfer Date	Aug 15, 1997
Prior Transfer Doc	0000130295
Record Updated	Sep 20, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	552 SPRUCE DR, NAPERVILLE, IL 60540-7233
Transaction Type	Mortgage
Record Updated	Dec 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000092088
Date	Sep 6, 2017
Instrument	R2017-092088

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 15, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	552 SPRUCE DR, NAPERVILLE, IL 60540-7233
Transaction Type	Mortgage
Record Updated	Dec 14, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000104776
Date	Jul 12, 2021
Instrument	R2021-104776

Lender

Name	CHICAGO FINANCIAL SERVICES INC
Type	Funding / Finance Company
Address	CHICAGO, IL 60642

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.87%

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	552 SPRUCE DR, NAPERVILLE, IL 60540-7233
Document Number	0000045699
Instrument Date	May 23, 2019
Transaction Type	Mortgage
Record Updated	Jul 1, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	552 SPRUCE DR NAPERVILLE IL 605407233, NAPERVILLE, IL 60540-7233

Mortgage

Document Number	0000045699
Date	Jun 11, 2019
Instrument	45699

Lender

Name	DUPAGE CU
Type	Credit Union
Address	NAPERVILLE, IL 60567-3930

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 10, 2049

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	$8,942.00 (+17.06%)	$161,377 (+29.89%) Land $67,641 Building $93,736	$484,131 (+29.89%) Land $202,923 Building $281,208
2022	$7,639.00 Homeowner's exemption	$124,240 Land $51,730 Building $72,510	$372,720 Land $155,190 Building $217,530

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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