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645 S Main St, Naperville, IL 60540 Property Records

DuPage County property record for 645 S Main St, Naperville, IL 60540

Property Summary

Property TypeSingle Family Home
Details4 bd · 3.5 ba · 3,359 sqft · built 2020
Lot Size0.21 acres (9,148 sqft)
Owner2 Trust Names on File
Last Sale$1,111,000 (Mar 2020)
Tax Bill$24,151 (2025)
Deeds & MortgagesApr 2024 Transfer
Mar 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN07-24-203-018

Property Details

APN / Parcel Number

Primary APN07-24-203-018

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area3,359 sqft Living Area
Gross Area4,954 sqft
1st Floor Area1,595 sqft
2nd Floor Area1,764 sqft
Basement Area1,595 sqft

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Architectural StyleRanch
Construction TypeFrame
Lot Area9,148 sqft (0.21 acres)
Lot Dimensions18.9 ft deep x 5 ft wide
Parking Spaces3 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Street Address645 S MAIN ST
CityNAPERVILLE
StateIL
Zip60540-6549
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR
Legal DescriptionMARTINS 2ND ADD
Legal SubdivisionMARTINS 2ND ADD
Legal Block3
Legal Lot Number9
Legal Unit3
JurisdictionDU PAGE IL
Township / Civil DivisionNAPERVILLE
Census Block Group2
Census Block2034
Census Tract846504

Owner

645 S Main St is owner-occupied and held in a trust since February 2024.

Source: DuPage County records, as of August 17, 2026

Owner of Record2 Trust Names on File
Mailing Address645 S MAIN ST, NAPERVILLE, IL 60540-6549
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Apr 22, 2024Intrafamily Transfer, Transfer
ATTORNEY ONLY, ATTORNEY
Mar 24, 2020Warranty Deed, Transfer · Conventional Mortgage
FIRST CENTENNIAL MORTGAGE CORP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 24, 2020 · Amount on File
Deed SaleMar 24, 2020 · Amount on File
Prior SaleSep 9, 2014 · Amount on File
Deed Document Number202028999
Last Transfer DateFeb 22, 2024
Transfer Doc0000021547
Record UpdatedSep 20, 2026

April 2024: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionDU PAGE IL
Recording DateApr 22, 2024
Property Address645 S MAIN ST, NAPERVILLE, IL 60540-6549
Document Number0000021547
Map ReferenceDOC 10068
Instrument DateFeb 22, 2024
InstrumentR2024-021547
Transaction TypeTransfer
Record UpdatedMay 8, 2024
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address645 S MAIN ST, NAPERVILLE, IL 60540-6549

March 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionDU PAGE IL
Recording DateMar 24, 2020
Property Address645 S MAIN ST, NAPERVILLE, IL 60540-6549
Document Number0000028999
Map ReferenceDOC 10068
Instrument DateMar 10, 2020
InstrumentR2020-028999
Transaction TypeTransfer
Record UpdatedDec 14, 2021
Title CompanyCHICAGO TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,111.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address645 S MAIN ST, 645, NAPERVILLE, IL 60540-6549

Transferred To (Grantee/Buyer)

NameVerified Name
Address645 S MAIN ST, NAPERVILLE, IL 60540-6549

Mortgage

Document Number0000029000
DateMar 24, 2020
InstrumentR2020-029000
Lender
NameFIRST CENTENNIAL MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueApr 1, 2050
Interest
Rate TypeFixed Rate
Rate3.5%

Tax Assessment & Valuation

The 2025 property tax bill for 645 S Main St was $24,151.

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

Property Jurisdictions

TypeName
StateIllinois
CountyDuPage County
County SubdivisionNaperville Township
MunicipalityNaperville City
Unified School DistrictNaperville Community Unit District 203 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$24,151.00$422,215 Land $114,644 Building $307,571$1,266,645 Land $343,932 Building $922,713
2022$20,745.00 Homeowner's exemption$327,070 Land $88,480 Building $238,590$981,210 Land $265,440 Building $715,770

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

FEMA maps place 645 S Main St in Zone X, an area of minimal flood risk, though there have been 22 flood claims nearby since 1996.

Source: FEMA National Flood Hazard Layer, effective September 1, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 13 policies
Community Rating SystemClass 10 (0% premium discount)
Nearby Flood Policies13 in force
Nearby Flood Claims22 (1996–2025)
Claims Outside the SFHA6 of 22
Most Recent ClaimApr 2025 · other causes
Claims by Event
  • Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 6 claims
  • Severe Storms And Flooding, Sep 2008 · 13 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

The area around 645 S Main St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot 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 SystemNAPERVILLE
serves 156,406 people · EPA ID IL0434670
Water SourcePurchased surface water from DU PAGE WATER COMMISSION
Last State InspectionSep 2025
Lead6 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting15
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

ProviderMax 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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