DuPage County property record for 646 S Wright St, Naperville, IL 60540
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 5 ba · 5,776 sqft · built 2007 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,415,000 (Jul 2022) |
| Tax Bill | $29,116 (2025) |
| Deeds & Mortgages | Jul 2022 Sale & Mortgage Sep 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-19-215-008 |
| Primary APN | 08-19-215-008 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 5 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 5,776 sqft Living Area |
| Gross Area | 7,477 sqft |
| 1st Floor Area | 2,367 sqft |
| 2nd Floor Area | 2,743 sqft |
| Basement Area | 2,367 sqft |
| Finished Basement | 666 sqft |
| Unfinished Basement | 1,701 sqft |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Lot Area | 10,019 sqft (0.23 acres) |
| Garage Area | 628 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 646 S WRIGHT ST |
|---|---|
| City | NAPERVILLE |
| State | IL |
| Zip | 60540-6734 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | MOSER HIGHLANDS UNIT NO 2 |
| Legal Subdivision | MOSER HIGHLANDS |
| Legal Block | 1 |
| Legal Lot Number | 4 |
| Legal Unit | 2 |
| Jurisdiction | DU PAGE IL |
| Township / Civil Division | LISLE |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 846209 |
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 | 6634 GRENOBLE CT, LISLE, IL 60532-3425 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jul 12, 2022 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Sep 8, 2017 | Warranty Deed, Transfer · ARM WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 12, 2022 · Amount on Record |
| Deed Sale | Jul 12, 2022 · Amount on Record |
| Prior Sale | Nov 23, 2011 · Amount on Record |
| Deed Document Number | 202265745 |
| Prior Transfer Date | Apr 4, 2007 |
| Prior Transfer Doc | 0000061796 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DU PAGE IL |
| Recording Date | Jul 12, 2022 |
| Property Address | 646 S WRIGHT ST, NAPERVILLE, IL 60540-6734 |
| Document Number | 0000065745 |
| Map Reference | DOC 768354 |
| Instrument Date | Jun 8, 2022 |
| Instrument | R2022-065745 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,415.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 646 S WRIGHT ST, 646, NAPERVILLE, IL 60540-6734 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 646 S WRIGHT ST, NAPERVILLE, IL 60540-6734 |
| Document Number | 0000065746 |
|---|---|
| Date | Jul 12, 2022 |
| Instrument | R2022-065746 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Type Change Date | Jul 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 10% |
| Index | Other |
| Max Rate | 10% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DU PAGE IL |
| Recording Date | Sep 8, 2017 |
| Property Address | 646 S WRIGHT ST, NAPERVILLE, IL 60540-6734 |
| Document Number | 0000092876 |
| Map Reference | DOC768354 |
| Instrument Date | Sep 1, 2017 |
| Instrument | R2017-092876 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| Title Company | ATTORNEYS TITLE GUARANTY FUN |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 646 S WRIGHT ST, NAPERVILLE, IL 60540-6734 |
| Document Number | 0000092877 |
|---|---|
| Date | Sep 8, 2017 |
| Instrument | R2017-092877 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.75% |
| Type Change Date | Oct 1, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 4.75% |
| Index | 1-Year LIBOR |
| Max Rate | 7.75% |
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 | $29,116.00 (+7.05%) | $516,990 (+21.28%) Land $134,519 Building $382,471 | $1,550,970 (+21.28%) Land $403,557 Building $1,147,413 |
| 2022 | $27,199.00 Homeowner's exemption | $426,270 Land $113,120 Building $313,150 | $1,278,810 Land $339,360 Building $939,450 |
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 |
|---|---|
| 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 | 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.
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 421 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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