640 Willow Rd, Naperville, IL 60540 Property Records

DuPage County property record for 640 Willow Rd, Naperville, IL 60540

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 4,548 sqft · built 2016
Lot Size	0.244 acres (10,639 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Sep 2015)
Tax Bill	$24,804 (2025)
Deeds & Mortgages	Aug 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`08-19-111-006`

Property Details

APN / Parcel Number

Primary APN	`08-19-111-006`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,548 sqft Living Area
Gross Area	5,073 sqft
1st Floor Area	1,482 sqft
2nd Floor Area	1,845 sqft
Basement Area	1,746 sqft
Finished Basement	1,221 sqft
Unfinished Basement	525 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Brick
Lot Area	10,639 sqft (0.244 acres)
Garage Area	599 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	640 WILLOW RD
City	NAPERVILLE
State	IL
Zip	60540-6646
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	MOSER HIGHLANDS UNIT 6
Legal Subdivision	MOSER HIGHLANDS
Legal Block	2
Legal Lot Number	6
Legal Unit	6
Jurisdiction	DU PAGE IL
Township / Civil Division	LISLE
Census Block Group	1
Census Block	1012
Census Tract	846209

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 WILLOW RD, NAPERVILLE, IL 60540-6646
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2015 · Amount on Record
Deed Sale	Sep 28, 2015 · Amount on Record
Prior Sale	Dec 4, 1995 · Amount on Record
Deed Document Number	2015107372
Last Transfer Date	Jun 21, 2019
Transfer Doc	0000065710
Record Updated	Sep 20, 2026

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DU PAGE IL
Recording Date	Aug 5, 2019
Property Address	640 WILLOW RD, NAPERVILLE, IL 60540-6646
Document Number	0000065710
Instrument Date	Jun 21, 2019
Instrument	65710
Transaction Type	Transfer
Record Updated	Aug 27, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	640 WILLOW RD NAPERVILLE IL 605406646, NAPERVILLE, IL 60540-6646

Tax Assessment & Valuation

Source: DuPage County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	DuPage County
County Subdivision	Lisle 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	$24,804.00 (+10.07%)	$433,022 (+18.92%) Land $149,454 Building $283,568	$1,299,066 (+18.92%) Land $448,362 Building $850,704
2022	$22,535.00 Homeowner's exemption	$364,140 Land $125,680 Building $238,460	$1,092,420 Land $377,040 Building $715,380

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 14 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	14 in force
Nearby Flood Claims	16 (1983–2016)
Claims Outside the SFHA	11 of 16
Most Recent Claim	May 2016 · other causes
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 4 claims Severe Storms And Flooding, Jul 1996 · 5 claims

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	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.

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 326 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 Fixed Wireless · DSL	100 / 20