DuPage County property record for 640 Flock Ave, Naperville, IL 60565
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 3,381 sqft · built 1986 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $930,000 (Aug 2026) |
| Tax Bill | $14,369 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Sep 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-31-105-017 |
| Primary APN | 08-31-105-017 |
|---|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,381 sqft Living Area |
| Gross Area | 4,748 sqft |
| 1st Floor Area | 1,723 sqft |
| 2nd Floor Area | 1,658 sqft |
| Basement Area | 1,367 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Exterior Material | Wood Siding |
| Lot Area | 13,068 sqft (0.3 acres) |
| Garage Area | 536 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Electric |
|---|
| Street Address | 640 FLOCK AVE |
|---|---|
| City | NAPERVILLE |
| State | IL |
| Zip | 60565-1296 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | WINDING CREEK ESTATES UNIT 3 ALL |
| Legal Subdivision | WINDING CREEK ESTATES |
| Legal Lot Number | 260 |
| Legal Unit | 3 |
| Jurisdiction | DU PAGE IL |
| Township / Civil Division | LISLE |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 846207 |
Source: DuPage County records, as of September 3, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 640 FLOCK AVE, NAPERVILLE, IL 60565-1296 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Aug 24, 2026 | Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 16, 2019 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Feb 27, 2019 | Quit Claim Deed, Mortgage · Conventional Mortgage JP MORGAN CHASE BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 24, 2026 · Amount on Record |
| Deed Sale | Aug 24, 2026 · Amount on Record |
| Deed Document Number | 202658206 |
| Prior Transfer Date | Oct 17, 2012 |
| Prior Transfer Doc | 0000168170 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | DU PAGE IL |
| Recording Date | Aug 24, 2026 |
| Property Address | 640 FLOCK AVE, NAPERVILLE, IL 60565-1296 |
| Document Number | 0000058206 |
| Instrument Date | Aug 14, 2026 |
| Instrument | 202658206 |
| Transaction Type | Transfer |
| Record Updated | Sep 3, 2026 |
| Title Company | CHICAGO TITLE W, CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $140,895.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 640 FLOCK AVE, NAPERVILLE, IL 60565-1296 |
| Document Number | 0000058207, |
|---|---|
| Date | Aug 24, 2026 |
| Instrument | 202658207 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.62% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DU PAGE IL |
| Property Address | 640 FLOCK AVE, NAPERVILLE, IL 60565-1296 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2021 |
| Title Company | CITYWIDE TITLE CORPORATION |
| Name | Verified Name |
|---|
| Document Number | 0000081747 |
|---|---|
| Date | Sep 16, 2019 |
| Instrument | R2019-081747 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 1, 2034 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | DU PAGE IL |
| Recording Date | Feb 27, 2019 |
| Property Address | 640 FLOCK AVE, NAPERVILLE, IL 60565-1296 |
| Document Number | 0000014499 |
| Instrument Date | Nov 20, 2018 |
| Instrument | 14499 |
| Transaction Type | Mortgage |
| Record Updated | Mar 18, 2019 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 640 FLOCK AVE NAPERVILLE IL 605651296, NAPERVILLE, IL 60565-1296 |
| Document Number | 14500 |
|---|---|
| Date | Feb 27, 2019 |
| Instrument | 14500 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240-2050 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Feb 26, 2034 |
Source: DuPage County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | DuPage County |
| County Subdivision | Lisle Township |
| Municipality | Naperville City |
| Unified School District | Naperville Community Unit District 203 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $14,369.00 (+16.57%) | $262,222 (+30.15%) Land $85,287 Building $176,935 | $786,666 (+30.15%) Land $255,861 Building $530,805 |
| 2022 | $12,327.00 Homeowner's exemption Senior Citizen's exemption | $201,470 Land $65,530 Building $135,940 | $604,410 Land $196,590 Building $407,820 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (2017) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 2017 · 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.
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 | Direct burnable vegetation |
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 417 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 | 100 / 20 |
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