DuPage County property record for 638 Christopher Ln, Carol Stream, IL 60188
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 3,413 sqft · built 1992 |
| Lot Size | 0.36 acres (15,682 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $330,000 (Oct 2010) |
| Tax Bill | $17,217 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Sep 2022 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-413-006 |
| Primary APN | 01-26-413-006 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 3,413 sqft Living Area |
| Gross Area | 4,686 sqft |
| Basement Area | 1,273 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Wood |
| Lot Area | 15,682 sqft (0.36 acres) |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 638 CHRISTOPHER LN |
|---|---|
| City | CAROL STREAM |
| State | IL |
| Zip | 60188-4202 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | TALL OAKS ESTATES ALL |
| Legal Subdivision | TALL OAKS ESTATES |
| Legal Lot Number | 34 |
| Jurisdiction | DU PAGE IL |
| Township / Civil Division | WAYNE |
| Census Block Group | 4 |
| Census Block | 4018 |
| Census Tract | 841307 |
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 | 638 CHRISTOPHER LN, CAROL STREAM, IL 60188-4202 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 13, 2026 | Deed of Trust, Mortgage · Line of Credit THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION |
| Sep 19, 2022 | Deed of Trust, Mortgage · Conventional Mortgage THE AMERICAN COMMERCIAL BANK & TRUST |
| Jul 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage A & N MORTGAGE SERVICES INC |
| May 7, 2019 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jul 2, 2018 | Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 21, 2010 · Amount on Record |
| Deed Sale | Oct 21, 2010 · Amount on Record |
| Deed Document Number | 2010143692 |
| Prior Transfer Date | May 25, 2004 |
| Prior Transfer Doc | 0000274204 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DU PAGE IL |
| Recording Date | Apr 13, 2026 |
| Property Address | 638 CHRISTOPHER LN, CAROL STREAM, IL 60188-4202 |
| Document Number | 0000023658 |
| Instrument Date | Apr 8, 2026 |
| Instrument | 202623658 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 638 CHRISTOPHER LN, CAROL STREAM, IL 60188-4202 |
| Document Number | 0000023658, |
|---|---|
| Date | Apr 13, 2026 |
| Instrument | 202623658 |
| Name | THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 8, 2056 |
| Rate | 6.24% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DU PAGE IL |
| Property Address | 638 CHRISTOPHER LN, CAROL STREAM, IL 60188-4202 |
| Transaction Type | Mortgage |
| Record Updated | Oct 4, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000086302 |
|---|---|
| Date | Sep 19, 2022 |
| Instrument | R2022-086302 |
| Name | THE AMERICAN COMMERCIAL BANK & TRUST |
|---|---|
| Type | Bank |
| Address | OTTAWA, IL 61350 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 61 Months |
| Due | Oct 1, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DU PAGE IL |
| Property Address | 638 CHRISTOPHER LN, CAROL STREAM, IL 60188-4202 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2021 |
| Title Company | LST |
| Name | Verified Name |
|---|
| Document Number | 0000080908 |
|---|---|
| Date | Jul 28, 2020 |
| Instrument | R2020-080908 |
| Name | A & N MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60642 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Aug 1, 2040 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.87% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DU PAGE IL |
| Property Address | 638 CHRISTOPHER LN, CAROL STREAM, IL 60188-4202 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2021 |
| Title Company | CHICAGO TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000034558 |
|---|---|
| Date | May 7, 2019 |
| Instrument | R2019-034558 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2049 |
| Rate | 3.87% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DU PAGE IL |
| Property Address | 638 CHRISTOPHER LN, CAROL STREAM, IL 60188-4202 |
| Document Number | 0000065063 |
| Instrument Date | Jul 2, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 3, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 638 CHRISTOPHER LN CAROL STREAM IL 601884202, CAROL STREAM, IL 60188-4202 |
| Document Number | 0000065063 |
|---|---|
| Date | Jul 16, 2018 |
| Instrument | 65063 |
| Name | PROVIDENT FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | SCHAUMBURG, IL 60173 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 15, 2048 |
Source: DuPage County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | DuPage County |
| County Subdivision | Wayne Township |
| Municipality | Carol Stream Village |
| Elementary School District | Benjamin School District 25 (PK - 08) |
| Secondary School District | Community High School District 94 (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $17,217.00 (+3.24%) Homeowner's exemption | $219,478 (+8.7%) Land $48,714 Building $170,764 | $658,434 (+8.7%) Land $146,142 Building $512,292 |
| 2024 | $16,677.00 (+9.95%) | $201,912 (+18.6%) Land $44,815 Building $157,097 | $605,736 (+18.6%) Land $134,445 Building $471,291 |
| 2022 | $15,168.00 Homeowner's exemption | $170,250 Land $37,790 Building $132,460 | $510,750 Land $113,370 Building $397,380 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 74% 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 | CAROL STREAM serves 39,854 people · EPA ID IL0430200 |
|---|---|
| Water Source | Purchased surface water from DU PAGE WATER COMMISSION |
| Last State Inspection | Sep 2025 |
| Lead | 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 4 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 125 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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