DuPage County property record for 728 Howard St, Wheaton, IL 60187
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,947 sqft · built 1931 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $688,000 (May 2026) |
| Tax Bill | $12,542 (2025) |
| Deeds & Mortgages | Aug 2024 Line of Credit Apr 2022 Line of Credit + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-16-209-015 |
| Primary APN | 05-16-209-015 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,947 sqft Living Area |
| Basement Area | 963 sqft |
| Finished Basement | 963 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1931 |
|---|---|
| Effective Year Built | Effective 1931 |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,276 sqft (0.19 acres) |
| Lot Dimensions | 16.8 ft deep x 5 ft wide |
| Garage Type | Detached |
| Garage Area | 500 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
| Porch Area | 72 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 728 HOWARD ST |
|---|---|
| City | WHEATON |
| State | IL |
| Zip | 60187-4268 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | CHERRY HILL ADD |
| Legal Subdivision | CHERRY HILL |
| Legal Lot Number | 8 |
| Jurisdiction | DU PAGE IL |
| Township / Civil Division | MILTON |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 841902 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 728 HOWARD ST, WHEATON, IL 60187-4268 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Aug 16, 2024 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Apr 11, 2022 | Deed of Trust, Mortgage · Line of Credit QUORUM FEDERAL CU |
| May 26, 2026 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORPORATION |
| Aug 1, 2022 | Warranty Deed, Transfer · Conventional Mortgage KEY MORTGAGE SERVICES INC |
| Oct 24, 2018 | Deed of Trust, Mortgage · Line of Credit EVERGREEN BANK GROUP |
| Dec 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Feb 7, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PARKSIDE LNDG |
| Oct 6, 2017 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 26, 2026 · Amount on Record |
| Deed Sale | May 26, 2026 · Amount on Record |
| Prior Sale | Aug 1, 2022 · Amount on Record |
| Deed Document Number | 202634730 |
| Prior Transfer Date | Jan 2, 1998 |
| Prior Transfer Doc | 0000006067 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DU PAGE IL |
| Property Address | 728 HOWARD ST, WHEATON, IL 60187-4268 |
| Transaction Type | Mortgage |
| Record Updated | Jun 11, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000047465 |
|---|---|
| Date | Aug 16, 2024 |
| Instrument | R2024-047465 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 15, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DU PAGE IL |
| Property Address | 728 HOWARD ST, WHEATON, IL 60187-4268 |
| Transaction Type | Mortgage |
| Record Updated | Jun 11, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0000036587 |
|---|---|
| Date | Apr 11, 2022 |
| Instrument | R2022-036587 |
| Name | QUORUM FEDERAL CU |
|---|---|
| Type | Credit Union |
| Address | PURCHASE, NY 10577 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DU PAGE IL |
| Recording Date | May 26, 2026 |
| Property Address | 728 HOWARD ST, WHEATON, IL 60187-4268 |
| Document Number | 0000034730 |
| Instrument Date | Apr 20, 2026 |
| Instrument | 202634730 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2026 |
| Title Company | CHICAGO TITLE W, CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $104,232.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 728 HOWARD ST, WHEATON, IL 60187-4268 |
| Document Number | 0000034731, |
|---|---|
| Date | May 26, 2026 |
| Instrument | 202634731 |
| Name | AMERICAN PACIFIC MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.63% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DU PAGE IL |
| Recording Date | Aug 1, 2022 |
| Property Address | 728 HOWARD ST, WHEATON, IL 60187-4268 |
| Document Number | 0000072392 |
| Map Reference | DOC 115178 |
| Instrument Date | Jul 22, 2022 |
| Instrument | R2022-072392 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2022 |
| Title Company | ACQUEST TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $552.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 728 HOWARD ST, WHEATON, IL 60187-4268 |
| Document Number | 0000072393 |
|---|---|
| Date | Aug 1, 2022 |
| Instrument | R2022-072393 |
| Name | KEY MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.12% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DU PAGE IL |
| Property Address | 728 HOWARD ST, WHEATON, IL 60187-4268 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2021 |
| Title Company | PRECISION TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000100013 |
|---|---|
| Date | Oct 24, 2018 |
| Instrument | R2018-100013 |
| Name | EVERGREEN BANK GROUP |
|---|---|
| Type | Bank |
| Address | OAK BROOK, IL 60523 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 15, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.25% |
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DU PAGE IL |
| Property Address | 728 HOWARD ST, WHEATON, IL 60187-4268 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000153262 |
|---|---|
| Date | Dec 14, 2020 |
| Instrument | R2020-153262 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2050 |
| Rate | 2.99% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DU PAGE IL |
| Property Address | 728 HOWARD ST, WHEATON, IL 60187-4268 |
| Document Number | 0000017322 |
| Instrument Date | Feb 7, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 16, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 728 HOWARD ST WHEATON IL 601874268, WHEATON, IL 60187-4268 |
| Document Number | 0000017322 |
|---|---|
| Date | Feb 20, 2020 |
| Instrument | 17322 |
| Name | PARKSIDE LNDG |
|---|---|
| Address | SAN FRANCISCO, CA 94102 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 19, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DU PAGE IL |
| Property Address | 728 HOWARD ST, WHEATON, IL 60187-4268 |
| Document Number | 0000107929 |
| Instrument Date | Oct 6, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 21, 2017 |
| Title Company | RAVENSWOOD TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 728 HOWARD ST WHEATON IL 601874268, WHEATON, IL 60187-4268 |
| Document Number | 0000107929 |
|---|---|
| Date | Oct 19, 2017 |
| Instrument | 107929 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 18, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.99% |
Source: DuPage County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | DuPage County |
| County Subdivision | Milton Township |
| Municipality | Wheaton City |
| Unified School District | Community Unit School District 200 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $12,542.00 (+2.27%) Homeowner's exemption | $215,066 (+8.46%) Land $25,252 Building $189,814 | $645,198 (+8.46%) Land $75,756 Building $569,442 |
| 2024 | $12,264.00 (+6.37%) | $198,290 (+14.96%) Land $23,282 Building $175,008 | $594,870 (+14.96%) Land $69,846 Building $525,024 |
| 2022 | $11,530.00 Homeowner's exemption | $172,490 Land $20,250 Building $152,240 | $517,470 Land $60,750 Building $456,720 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 5 (1979–2013) |
| Claims Outside the SFHA | 5 of 5 |
| Most Recent Claim | Apr 2013 · Severe Storms, Straight-line Winds, And Flooding |
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 | 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WHEATON serves 53,970 people · EPA ID IL0431050 |
|---|---|
| Water Source | Purchased surface water from DU PAGE WATER COMMISSION |
| Last State Inspection | Jun 2024 |
| Lead | 2 ppb (2026–2028) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 461 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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