DuPage County property record for 644 Willow Rd, Naperville, IL 60540
| Property Type | Single Family Home |
|---|---|
| Details | 4.5 ba · 5,931 sqft · built 2006 |
| Lot Size | 0.238 acres (10,344 sqft) |
| Owner | 2 Companies on Record |
| Last Sale | $1,375,000 (Apr 2024) |
| Tax Bill | $28,563 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit Apr 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-19-111-007 |
| Primary APN | 08-19-111-007 |
|---|
| Full Baths | 4.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 5,931 sqft Living Area |
| Gross Area | 6,730 sqft |
| 1st Floor Area | 2,219 sqft |
| 2nd Floor Area | 2,312 sqft |
| Basement Area | 2,199 sqft |
| Finished Basement | 1,400 sqft |
| Unfinished Basement | 799 sqft |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Wood Siding |
| Lot Area | 10,344 sqft (0.238 acres) |
| Garage Area | 780 sqft |
| Parking Spaces | 3 Parking Spaces |
| Heating System | Gas |
|---|
| Street Address | 644 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 | 7 |
| Legal Unit | 6 |
| Jurisdiction | DU PAGE IL |
| Township / Civil Division | LISLE |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 846209 |
Source: DuPage County assessment roll, 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 Companies on Record |
|---|---|
| Mailing Address | 1032 DOUGLAS AVE, NAPERVILLE, IL 60540-4320 |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Jun 17, 2026 | Deed of Trust, Mortgage · Line of Credit BAXTER CREDIT UNION |
| Apr 16, 2024 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 16, 2024 · Amount on Record |
| Deed Sale | Apr 16, 2024 · Amount on Record |
| Prior Sale | Oct 6, 2006 · Amount on Record |
| Deed Document Number | 202420290 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DU PAGE IL |
| Recording Date | Jun 17, 2026 |
| Property Address | 644 WILLOW RD, NAPERVILLE, IL 60540-6646 |
| Document Number | 0000040734 |
| Instrument Date | Jun 9, 2026 |
| Instrument | 202640734 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SERVICE |
| Name | Verified Name |
|---|---|
| Relationship | Trust, 212 |
| Document Number | 0000040734, |
|---|---|
| Date | Jun 17, 2026 |
| Instrument | 202640734 |
| Name | BAXTER CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jun 30, 2036 |
| Rate | 6.36% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DU PAGE IL |
| Recording Date | Apr 16, 2024 |
| Property Address | 644 WILLOW RD, NAPERVILLE, IL 60540-6646 |
| Document Number | 0000020290 |
| Map Reference | DOC 835554 |
| Instrument Date | Apr 1, 2024 |
| Instrument | R2024-020290 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2024 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,375.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 644 WILLOW RD, NAPERVILLE, IL 60540-6646 |
| Name | Verified Name |
|---|---|
| Address | 644 WILLOW RD, NAPERVILLE, IL 60540-6646 |
| Document Number | 0000020291 |
|---|---|
| Date | Apr 16, 2024 |
| Instrument | R2024-020291 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2054 |
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 | $28,563.00 (+3.54%) | $497,428 (+8.53%) Land $149,454 Building $347,974 | $1,492,284 (+8.53%) Land $448,362 Building $1,043,922 |
| 2024 | $27,587.00 (-2.53%) | $458,333 (+3.39%) Land $137,708 Building $320,625 | $1,374,999 (+3.39%) Land $413,124 Building $961,875 |
| 2022 | $28,302.00 Homeowner's exemption | $443,320 Land $125,680 Building $317,640 | $1,329,960 Land $377,040 Building $952,920 |
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 |
| 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 |
|
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 | 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 | 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 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 |
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