655 Willow Rd, Naperville, IL 60540 Property Records

DuPage County property record for 655 Willow Rd, Naperville, IL 60540

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 5,756 sqft · built 2014
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on File
Last Sale	$1,135,000 (Jun 2014)
Tax Bill	$27,568 (2025)
Deeds & Mortgages	Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-19-109-017`

Property Details

APN / Parcel Number

Primary APN	`08-19-109-017`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	5,756 sqft Living Area
Gross Area	6,011 sqft
1st Floor Area	1,975 sqft
2nd Floor Area	2,101 sqft
Basement Area	1,935 sqft
Finished Basement	1,680 sqft
Unfinished Basement	255 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Lot Area	9,583 sqft (0.22 acres)
Garage Area	789 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	655 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	8
Legal Unit	6
Jurisdiction	DU PAGE IL
Township / Civil Division	LISLE
Census Block Group	1
Census Block	1013
Census Tract	846209

Owner

Source: DuPage County records · APN 08-19-109-017

Assessment roll updated August 17, 2026 · Last verified August 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 File
Mailing Address	655 WILLOW RD, NAPERVILLE, IL 60540-6645
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 10, 2014 · Amount on Record
Deed Sale	Jun 10, 2014 · Amount on Record
Prior Sale	Aug 23, 2013 · Amount on Record
Deed Document Number	201448948
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	655 WILLOW RD, NAPERVILLE, IL 60540-6645
Transaction Type	Mortgage
Record Updated	Aug 05, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000126586
Date	Oct 27, 2020
Instrument	R2020-126586

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2050

Tax Assessment & Valuation

Source: DuPage County records · Assessment roll updated August 17, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Illinois
County	DuPage County
County Subdivision	Lisle Township
Municipality	Naperville City
Unified School District	Naperville Community Unit District 203 (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$27,568.00 (+7.04%)	$480,386 (+18.92%) Land $149,454 Building $330,932	$1,441,158 (+18.92%) Land $448,362 Building $992,796
2022	$25,756.00 Homeowner's exemption	$403,970 Land $125,680 Building $278,290	$1,211,910 Land $377,040 Building $834,870

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 1, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 4 claims Severe Storms And Flooding, Jul 1996 · 5 claims

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Radiate Holdings Cable	1,500 / 50
Verizon Fixed Wireless	1,000 / 75
T-Mobile USA Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20

Based on FCC filings for 326 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	NAPERVILLE serves 156,406 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.