DuPage County property record for 705 S River Rd, Naperville, IL 60540
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 2,884 sqft · built 1980 |
| Lot Size | 0.39 acres (16,988 sqft) |
| Owner | Individual Name on File |
| Last Sale | $535,000 (May 2021) |
| Tax Bill | $13,717 (2025) |
| Deeds & Mortgages | May 2021 Sale & Mortgage Jan 2020 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-23-407-010 |
| Primary APN | 07-23-407-010 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 2,884 sqft Living Area |
| Gross Area | 4,480 sqft |
| 1st Floor Area | 1,596 sqft |
| 2nd Floor Area | 1,288 sqft |
| Basement Area | 1,596 sqft |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Lot Area | 16,988 sqft (0.39 acres) |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 705 S RIVER RD |
|---|---|
| City | NAPERVILLE |
| State | IL |
| Zip | 60540-6304 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | THE COUNTRYSIDE OF NAPERVILLE UNIT ONE ALL |
| Legal Subdivision | THE COUNTRYSIDE OF NAPERVILLE UNIT ONE |
| Legal Lot Number | 25 |
| Legal Unit | 1 |
| Jurisdiction | DU PAGE IL |
| Township / Civil Division | NAPERVILLE |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 846521 |
705 S River Rd is owned and occupied by an individual who bought it in May 2021.
Source: DuPage County records, as of August 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 705 S RIVER RD, NAPERVILLE, IL 60540-6304 |
| 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 |
|---|---|
| May 11, 2021 | Warranty Deed, Transfer · Conventional Mortgage LUMINATE HOME LOANS INC |
| Jan 16, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 11, 2021 · Amount on File |
| Deed Sale | May 11, 2021 · Amount on File |
| Deed Document Number | 202174530 |
| Prior Transfer Date | Dec 17, 2019 |
| Prior Transfer Doc | 0000006121 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DU PAGE IL |
| Recording Date | May 11, 2021 |
| Property Address | 705 S RIVER RD, NAPERVILLE, IL 60540-6304 |
| Document Number | 0000074530 |
| Map Reference | DOC R80-08211 |
| Instrument Date | Apr 7, 2021 |
| Instrument | R2021-074530 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $535.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 705 S RIVER RD, NAPERVILLE, IL 60540-6304 |
| Investor | Possibly a Property Investor |
| Document Number | 0000074531 |
|---|---|
| Date | May 11, 2021 |
| Instrument | R2021-074531 |
| Name | LUMINATE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.12% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | DU PAGE IL |
| Recording Date | Jan 16, 2020 |
| Property Address | 705 S RIVER RD, NAPERVILLE, IL 60540-6304 |
| Document Number | 0000006121 |
| Instrument Date | Dec 17, 2019 |
| Instrument | 6121 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 705 S RIVER RD NAPERVILLE IL 605406304, NAPERVILLE, IL 60540-6304 |
The 2025 property tax bill for 705 S River Rd was $13,717 with a homeowner's exemption.
Source: DuPage County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | DuPage County |
| County Subdivision | Naperville Township |
| Municipality | Naperville City |
| Unified School District | Indian Prairie Community Unit School District 204 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $13,717.00 | $240,637 Land $62,014 Building $178,623 | $721,911 Land $186,042 Building $535,869 |
| 2022 | $12,046.00 Homeowner's exemption Senior Citizen's exemption | $187,270 Land $47,870 Building $139,400 | $561,810 Land $143,610 Building $418,200 |
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.
FEMA maps place 705 S River Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1996.
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 |
| Nearby Flood Claims | 4 (1996–2017) |
| Claims Outside the SFHA | 3 of 4 |
| Most Recent Claim | Oct 2017 · 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 705 S River 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 96% of the US · lower than 74% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 323 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 DSL · Fixed Wireless in parts of the area | 100 / 20 |
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