649 S Main St, Naperville, IL 60540 Property Records

DuPage County property record for 649 S Main St, Naperville, IL 60540

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,286 sqft · built 1954
Lot Size	0.22 acres (9,583 sqft)
Owner	Company Name on Record
Last Sale	$405,000 (Jul 2020)
Tax Bill	$11,893 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-24-203-019`

Property Details

APN / Parcel Number

Primary APN	`07-24-203-019`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,286 sqft Living Area
Gross Area	2,222 sqft
1st Floor Area	1,286 sqft
Basement Area	936 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Ranch
Construction Type	Frame
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	18.9 ft deep x 5 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	649 S MAIN ST
City	NAPERVILLE
State	IL
Zip	60540-6512
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	MARTINS 2ND ADD
Legal Subdivision	MARTINS 2ND ADD
Legal Block	3
Legal Lot Number	10
Legal Unit	3
Jurisdiction	DU PAGE IL
Township / Civil Division	NAPERVILLE
Census Block Group	2
Census Block	2034
Census Tract	846504

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	Company Name on Record
Mailing Address	2707 SAN LUIS CT, NAPERVILLE, IL 60565-5330
Owner Type	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 15, 2020 · Amount on Record
Deed Sale	Jul 15, 2020 · Amount on Record
Deed Document Number	202075249
Prior Transfer Date	Aug 28, 2003
Prior Transfer Doc	0000418591
Record Updated	Sep 20, 2026

July 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	DU PAGE IL
Recording Date	Jul 15, 2020
Property Address	649 S MAIN ST, NAPERVILLE, IL 60540-6512
Document Number	0000075249
Map Reference	DOC 10068
Instrument Date	Jun 4, 2020
Instrument	R2020-075249
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$405.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2707 SAN LUIS CT, NAPERVILLE, IL 60565-5330
Investor	Possibly a Property Investor

Mortgage

Document Number	0000075250
Date	Jul 15, 2020
Instrument	R2020-075250

Lender

Name	THE FIRST NATIONAL BANK OF OTTAWA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	DuPage County
County Subdivision	Naperville 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	$11,893.00 (+16.5%)	$203,985 (+29.1%) Land $142,447 Building $61,538	$611,955 (+29.1%) Land $427,341 Building $184,614
2022	$10,209.00	$158,010 Land $109,940 Building $48,070	$474,030 Land $329,820 Building $144,210

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

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 13 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	22 (1996–2025)
Claims Outside the SFHA	6 of 22
Most Recent Claim	Apr 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

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.

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