DuPage County property record for 634 Howard St, Wheaton, IL 60187
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,890 sqft · built 1923 |
| Lot Size | 0.39 acres (16,988 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $610,000 (Oct 2023) |
| Tax Bill | $13,160 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Oct 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-16-209-023 |
| Primary APN | 05-16-209-023 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,890 sqft Living Area |
| Gross Area | 4,462 sqft |
| Basement Area | 1,572 sqft |
| Year Built | Built 1923 |
|---|---|
| Effective Year Built | Effective 1923 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 16,988 sqft (0.39 acres) |
| Lot Dimensions | 16.8 ft deep x 10 ft wide |
| Garage Type | Detached |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 228 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 634 HOWARD ST |
|---|---|
| City | WHEATON |
| State | IL |
| Zip | 60187-4253 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | CHERRY HILL ADD S 1/2 ALL N 1/2 |
| Legal Subdivision | CHERRY HILL |
| Legal Lot Number | 18 |
| Jurisdiction | DU PAGE IL |
| Township / Civil Division | MILTON |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 841902 |
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 | 611 N ELLSWORTH ST, NAPERVILLE, IL 60563-3146 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Oct 1, 2025 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC |
| Oct 4, 2023 | Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Oct 30, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 4, 2023 · Amount on Record |
| Deed Sale | Oct 4, 2023 · Amount on Record |
| Prior Sale | Jul 22, 2013 |
| Deed Document Number | 202363997 |
| Prior Transfer Date | Sep 16, 2020 |
| Prior Transfer Doc | 0000128700 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DU PAGE IL |
| Property Address | 634 HOWARD ST, WHEATON, IL 60187-4253 |
| Transaction Type | Mortgage |
| Record Updated | Nov 7, 2025 |
| Title Company | US NATIONAL TITLE INSURANCE COMPANY, ADVOCUS NATIONAL TTL INS CO |
| Name | Verified Name |
|---|---|
| Address | 634 HOWARD ST, WHEATON, IL 60187-4253 |
| Document Number | 0000061909 |
|---|---|
| Date | Oct 1, 2025 |
| Instrument | R2025-061909 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2055 |
| Rate | 6.45% |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | DU PAGE IL |
| Recording Date | Oct 4, 2023 |
| Property Address | 634 HOWARD ST, WHEATON, IL 60187-4253 |
| Document Number | 0000063997 |
| Map Reference | DOC 115178 |
| Instrument Date | Sep 8, 2023 |
| Instrument | R2023-063997 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2023 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $610.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 634 HOWARD ST, WHEATON, IL 60187-4253 |
| Document Number | 0000063998 |
|---|---|
| Date | Oct 4, 2023 |
| Instrument | R2023-063998 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2053 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 7.62% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | DU PAGE IL |
| Recording Date | Oct 30, 2020 |
| Property Address | 634 HOWARD ST, WHEATON, IL 60187-4253 |
| Document Number | 0000128700 |
| Instrument Date | Sep 16, 2020 |
| Instrument | 128700 |
| Transaction Type | Transfer |
| Record Updated | Nov 24, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 634 HOWARD ST WHEATON IL 601874253, WHEATON, IL 60187-4253 |
Source: DuPage County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | DuPage County |
| County Subdivision | Milton Township |
| Municipality | Wheaton City |
| Unified School District | Community Unit School District 200 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $13,160.00 (-12.7%) | $250,273 (+9.45%) Land $34,100 Building $216,173 | $750,819 (+9.45%) Land $102,300 Building $648,519 |
| 2022 | $15,074.00 Homeowner's exemption Senior Citizen's exemption | $228,670 Land $27,350 Building $201,320 | $686,010 Land $82,050 Building $603,960 |
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.
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 6 (20% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 5 (1979–2013) |
| Claims Outside the SFHA | 5 of 5 |
| Most Recent Claim | Apr 2013 · Severe Storms, Straight-line Winds, And Flooding |
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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WHEATON serves 53,970 people · EPA ID IL0431050 |
|---|---|
| Water Source | Purchased surface water from DU PAGE WATER COMMISSION |
| Last State Inspection | Jun 2024 |
| Lead | 2 ppb (2026–2028) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 461 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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