640 Commons Rd, Naperville, IL 60563 Property Records

DuPage County property record for 640 Commons Rd, Naperville, IL 60563

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 4,390 sqft · built 1998
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Last Sale	$578,000 (Apr 2020)
Tax Bill	$15,562 (2025)
Deeds & Mortgages	Mar 2018 Line of Credit Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-12-109-033`

Property Details

APN / Parcel Number

Primary APN	`07-12-109-033`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	4,390 sqft Living Area
Gross Area	4,794 sqft
1st Floor Area	1,615 sqft
2nd Floor Area	1,564 sqft
Basement Area	1,615 sqft
Finished Basement	1,211 sqft
Unfinished Basement	404 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Brick
Construction Type	Brick
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	15.4 ft deep x 8.4 ft wide
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	640 COMMONS RD
City	NAPERVILLE
State	IL
Zip	60563-1399
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	CENTURY FARMS UNIT 1 ALL
Legal Subdivision	CENTURY FARMS
Legal Lot Number	111
Legal Unit	1
Jurisdiction	DU PAGE IL
Township / Civil Division	NAPERVILLE
Census Block Group	1
Census Block	1001
Census Tract	846405

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	640 COMMONS RD, NAPERVILLE, IL 60563-1399
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2018	Deed of Trust, Mortgage · Line of Credit TCF NATIONAL BANK
Nov 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Apr 20, 2020	Warranty Deed, Transfer · Conventional with PMI BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 20, 2020 · Amount on Record
Deed Sale	Apr 20, 2020 · Amount on Record
Prior Sale	Dec 5, 2012 · Amount on Record
Deed Document Number	202038048
Record Updated	Sep 20, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	640 COMMONS RD, NAPERVILLE, IL 60563-1399
Transaction Type	Mortgage
Record Updated	Dec 14, 2021
Title Company	ACCURATE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027282
Date	Mar 30, 2018
Instrument	R2018-027282

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 23, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	640 COMMONS RD, NAPERVILLE, IL 60563-1399
Transaction Type	Mortgage
Record Updated	Dec 14, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000159906
Date	Nov 1, 2021
Instrument	R2021-159906

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2036

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DU PAGE IL
Recording Date	Apr 20, 2020
Property Address	640 COMMONS RD, NAPERVILLE, IL 60563-1399
Document Number	0000038048
Instrument Date	Mar 17, 2020
Instrument	38048
Transaction Type	Transfer
Record Updated	Jun 1, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$867.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	631-COMMONS RD NAPERVILLE IL 60563, NAPERVILLE, IL 60563

Mortgage

Document Number	38049
Date	Apr 20, 2020
Instrument	38049

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 19, 2050

Interest

Rate	3.37%

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	$15,562.00 (+26.61%)	$281,794 (+43.6%) Land $76,417 Building $205,377	$845,382 (+43.6%) Land $229,251 Building $616,131
2022	$12,291.00 Homeowner's exemption	$196,230 Land $56,360 Building $139,870	$588,690 Land $169,080 Building $419,610

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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	7 (1979–2010)
Claims Outside the SFHA	5 of 7
Most Recent Claim	Aug 2010 · Severe Storms 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.

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 306 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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