DuPage County property record for 631 Clover Ct, Naperville, IL 60540
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 4,498 sqft · built 2005 |
| Lot Size | 0.48 acres (20,909 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $435,000 (Mar 2005) |
| Tax Bill | $18,156 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit Jan 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-23-211-009 |
| Primary APN | 07-23-211-009 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 4,498 sqft Living Area |
| Gross Area | 4,813 sqft |
| 1st Floor Area | 2,187 sqft |
| 2nd Floor Area | 1,392 sqft |
| Basement Area | 1,234 sqft |
| Finished Basement | 919 sqft |
| Unfinished Basement | 315 sqft |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Split Level |
| Exterior Material | Brick |
| Construction Type | Brick |
| Lot Area | 20,909 sqft (0.48 acres) |
| Lot Dimensions | 20.4 ft deep x 10.5 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 631 CLOVER CT |
|---|---|
| City | NAPERVILLE |
| State | IL |
| Zip | 60540-6253 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | LAWNMEADOW |
| Legal Subdivision | LAWNMEADOW |
| Legal Lot Number | 56 |
| Jurisdiction | DU PAGE IL |
| Township / Civil Division | NAPERVILLE |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 846521 |
631 Clover Ct is owned and occupied by two individuals who bought it in March 2005.
Source: DuPage County records, as of August 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 631 CLOVER CT, NAPERVILLE, IL 60540-6253 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 9, 2026 | Deed of Trust, Mortgage · Line of Credit HUNTINGTON NATIONAL BANK |
| Jan 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 3, 2005 · Amount on File |
| Deed Sale | Mar 3, 2005 · Amount on File |
| Deed Document Number | 200543412 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DU PAGE IL |
| Recording Date | Jun 9, 2026 |
| Property Address | 631 CLOVER CT, NAPERVILLE, IL 60540-6253 |
| Document Number | 0000038263 |
| Instrument Date | Jun 1, 2026 |
| Instrument | 202638263 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 631 CLOVER CT, NAPERVILLE, IL 60540-6253 |
| Document Number | 0000038263, |
|---|---|
| Date | Jun 9, 2026 |
| Instrument | 202638263 |
| Name | HUNTINGTON NATIONAL BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DU PAGE IL |
| Property Address | 631 CLOVER CT, NAPERVILLE, IL 60540-6253 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000011176 |
|---|---|
| Date | Jan 22, 2021 |
| Instrument | R2021-011176 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43219 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Feb 1, 2036 |
The 2025 property tax bill for 631 Clover Ct was $18,156 with a homeowner's exemption, up 4.6% from the year before.
Source: DuPage County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | DuPage County |
| County Subdivision | Naperville Township |
| Unified School District | Naperville Community Unit District 203 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $18,156.00 (+4.6%) Homeowner's exemption | $334,861 (+9.67%) Land $97,934 Building $236,927 | $1,004,583 (+9.67%) Land $293,802 Building $710,781 |
| 2024 | $17,358.00 | $305,335 Land $89,299 Building $216,036 | $916,005 Land $267,897 Building $648,108 |
| 2022 | $14,459.00 Homeowner's exemption | $241,940 Land $79,370 Building $162,570 | $725,820 Land $238,110 Building $487,710 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 631 Clover Ct in Zone X, an area of minimal flood risk.
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 5 (25% premium discount) |
| Nearby Flood Policies | 1 in force |
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 risk around 631 Clover Ct is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 94% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 329 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 | 1,000 / 75 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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