654 Penny Ct, Carol Stream, IL 60188 Property Records

DuPage County property record for 654 Penny Ct, Carol Stream, IL 60188

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,693 sqft · built 1991
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on File
Last Sale	$420,000 (Aug 2021)
Tax Bill	$13,085 (2025)
Deeds & Mortgages	Sep 2025 Second Mortgage Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-30-320-019`

Property Details

APN / Parcel Number

Primary APN	`02-30-320-019`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,693 sqft Living Area
Gross Area	3,974 sqft
1st Floor Area	1,403 sqft
2nd Floor Area	1,168 sqft
Basement Area	1,403 sqft
Finished Basement	1,122 sqft
Unfinished Basement	281 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Construction Type	Mixed
Lot Area	11,326 sqft (0.26 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Window A/C

Location & Zoning

Street Address	654 PENNY CT
City	CAROL STREAM
State	IL
Zip	60188-4404
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	KINGSPORT RIDGE PHASE 2 ALL
Legal Subdivision	KINGSPORT RIDGE PHASE 2
Legal Phase	2
Legal Lot Number	40
Jurisdiction	DU PAGE IL
Township / Civil Division	BLOOMINGDALE
Census Block Group	1
Census Block	1009
Census Tract	841206

Owner

654 Penny Ct is owned and occupied by two individuals who bought it in August 2021.

Source: DuPage County records, as of October 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	654 PENNY CT, CAROL STREAM, IL 60188-4404
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SOFI BANK NA
Aug 30, 2021	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
May 30, 2017	Deed of Trust, Mortgage · Line of Credit WEST SUBURBAN BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2021 · Amount on File
Deed Sale	Aug 30, 2021 · Amount on File
Deed Document Number	2021129647
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	654 PENNY CT, CAROL STREAM, IL 60188-4404
Transaction Type	Mortgage
Record Updated	Oct 1, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000056572
Date	Sep 11, 2025
Instrument	R2025-056572

Lender

Name	SOFI BANK NA
Type	Bank
Address	SALT LAKE CITY, UT 84121

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Sep 1, 2045

Interest

Rate Type	Fixed Rate
Rate	8.54%

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DU PAGE IL
Recording Date	Aug 30, 2021
Property Address	654 PENNY CT, CAROL STREAM, IL 60188-4404
Document Number	0000129647
Instrument Date	Jul 28, 2021
Instrument	R2021-129647
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$420.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	654 PENNY CT, CAROL STREAM, IL 60188-4404

Mortgage

Document Number	0000129649
Date	Aug 30, 2021
Instrument	R2021-129649

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	654 PENNY CT, CAROL STREAM, IL 60188-4404
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000052355
Date	May 30, 2017
Instrument	R2017-052355

Lender

Name	WEST SUBURBAN BANK
Type	Bank
Address	LOMBARD, IL 60148

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	May 29, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 654 Penny Ct was $13,085 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Illinois
County	DuPage County
County Subdivision	Bloomingdale Township
Municipality	Carol Stream Village
Elementary School District	Community Consolidated School District 93 (PK - 08)
Secondary School District	Glenbard Township High School District 87 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$13,085.00	$166,720 Land $35,990 Building $130,730	$500,160 Land $107,970 Building $392,190
2022	$11,815.00 Homeowner's exemption	$134,080 Land $29,910 Building $104,170	$402,240 Land $89,730 Building $312,510

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 654 Penny Ct in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 1, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 654 Penny Ct 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 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	CAROL STREAM serves 39,854 people · EPA ID IL0430200
Water Source	Purchased surface water from DU PAGE WATER COMMISSION
Last State Inspection	Sep 2025
Lead	1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 599 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile, Verizon.

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