DuPage County property record for 651 Willow Rd, Naperville, IL 60540
| Property Type | Single Family Home |
|---|---|
| Details | 5 ba · 3,293 sqft · built 1958 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $15,758 (2025) |
| Deeds & Mortgages | Jul 2018 Mortgage Jul 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-19-109-016 |
| Primary APN | 08-19-109-016 |
|---|
| Full Baths | 5 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 3 Stories |
| Building Area | 3,293 sqft Living Area |
| Gross Area | 3,357 sqft |
| 1st Floor Area | 1,886 sqft |
| 2nd Floor Area | 871 sqft |
| Basement Area | 600 sqft |
| Finished Basement | 536 sqft |
| Unfinished Basement | 64 sqft |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Architectural Style | Tri-Level |
| Exterior Material | Wood Siding |
| Lot Area | 10,890 sqft (0.25 acres) |
| Garage Area | 712 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | HVAC |
|---|
| Street Address | 651 WILLOW RD |
|---|---|
| City | NAPERVILLE |
| State | IL |
| Zip | 60540-6645 |
| 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 | 5 |
| Legal Lot Number | 7 |
| Legal Unit | 6 |
| Jurisdiction | DU PAGE IL |
| Township / Civil Division | LISLE |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 846209 |
651 Willow Rd is owned and occupied by two individuals who acquired it in July 2015.
Source: DuPage County records, as of August 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 651 WILLOW RD, NAPERVILLE, IL 60540-6645 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 2, 2018 | Deed of Trust, Mortgage · Conventional Mortgage KEY MORTGAGE SERVICES INC |
| Jul 9, 2019 | Deed of Trust, Mortgage · Conventional Mortgage KEY MORTGAGE SERVICES INC |
| Apr 2, 2020 | Deed of Trust, Mortgage · Conventional Mortgage KEY MORTGAGE SERVICES INC |
| Feb 17, 2021 | Deed of Trust, Mortgage · Conventional Mortgage KEY MORTGAGE SERVICES INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jul 27, 2015 |
| Transfer Doc | 0000086278 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DU PAGE IL |
| Property Address | 651 WILLOW RD, NAPERVILLE, IL 60540-6645 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2021 |
| Title Company | BAIRD & WARNER TITLE SERVICE |
| Name | Verified Name |
|---|
| Document Number | 0000060285 |
|---|---|
| Date | Jul 2, 2018 |
| Instrument | R2018-060285 |
| Name | KEY MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | SCHAUMBURG, IL 60173 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.62% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DU PAGE IL |
| Property Address | 651 WILLOW RD, NAPERVILLE, IL 60540-6645 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2021 |
| Title Company | BAIRD & WARNER TTL SVCS INC |
| Name | Verified Name |
|---|
| Document Number | 0000055536 |
|---|---|
| Date | Jul 9, 2019 |
| Instrument | R2019-055536 |
| Name | KEY MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | SCHAUMBURG, IL 60173 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 348 Months |
| Due | Jul 1, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DU PAGE IL |
| Property Address | 651 WILLOW RD, NAPERVILLE, IL 60540-6645 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000032326 |
|---|---|
| Date | Apr 2, 2020 |
| Instrument | R2020-032326 |
| Name | KEY MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DU PAGE IL |
| Property Address | 651 WILLOW RD, NAPERVILLE, IL 60540-6645 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000025418 |
|---|---|
| Date | Feb 17, 2021 |
| Instrument | R2021-025418 |
| Name | KEY MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | SCHAUMBURG, IL 60173 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 352 Months |
| Due | Jun 1, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.75% |
The 2025 property tax bill for 651 Willow Rd was $15,758 with a homeowner's exemption.
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 | $15,758.00 | $278,014 Land $111,983 Building $166,031 | $834,042 Land $335,949 Building $498,093 |
| 2022 | $13,367.00 Homeowner's exemption | $212,540 Land $85,610 Building $126,930 | $637,620 Land $256,830 Building $380,790 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 651 Willow Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 File 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.
Wildfire risk around 651 Willow Rd is low, with less than a 0.01% annual chance of 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.
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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