DuPage County property record for 654 Willow Rd, Naperville, IL 60540
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,836 sqft · built 1958 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $285,000 (Feb 2013) |
| Tax Bill | $9,737 (2025) |
| Deeds & Mortgages | Oct 2021 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-19-111-009 |
| Primary APN | 08-19-111-009 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 1,836 sqft Living Area |
| 1st Floor Area | 1,186 sqft |
| Basement Area | 650 sqft |
| Finished Basement | 650 sqft |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Architectural Style | Split Level |
| Exterior Material | Wood Siding |
| Lot Area | 9,583 sqft (0.22 acres) |
| Garage Area | 316 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | HVAC |
|---|
| Street Address | 654 WILLOW RD |
|---|---|
| City | NAPERVILLE |
| State | IL |
| Zip | 60540-6646 |
| 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 | 2 |
| Legal Lot Number | 9 |
| Legal Unit | 6 |
| Jurisdiction | DU PAGE IL |
| Township / Civil Division | LISLE |
| Census Block Group | 1 |
| Census Block | 1012 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 654 WILLOW RD, NAPERVILLE, IL 60540-6646 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 6, 2013 · Amount on Record |
| Deed Sale | Feb 6, 2013 · Amount on Record |
| Prior Sale | Nov 30, 2007 · Amount on Record |
| Deed Document Number | 201320005 |
| Prior Transfer Date | Dec 13, 2007 |
| Prior Transfer Doc | 0000225423 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DU PAGE IL |
| Property Address | 654 WILLOW RD, NAPERVILLE, IL 60540-6646 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000156474 |
|---|---|
| Date | Oct 25, 2021 |
| Instrument | R2021-156474 |
| Name | BUSEY BANK |
|---|---|
| Type | Bank |
| Address | CHAMPAIGN, IL 61820 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 14, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.74% |
| Type Change Date | Oct 14, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 4.74% |
| Max Rate At Change | 8.74% |
| Index | 1-Year CMT |
| Max Rate | 11.7% |
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 | $9,737.00 (+17.85%) | $174,842 (+30.81%) Land $111,983 Building $62,859 | $524,526 (+30.81%) Land $335,949 Building $188,577 |
| 2022 | $8,262.00 Homeowner's exemption | $133,660 Land $85,610 Building $48,050 | $400,980 Land $256,830 Building $144,150 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 | 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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