DuPage County property record for 738 S River Rd, Naperville, IL 60540
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,890 sqft · built 1980 |
| Lot Size | 0.43 acres (18,731 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $760,000 (Aug 2024) |
| Tax Bill | $13,555 (2025) |
| Deeds & Mortgages | Feb 2020 Line of Credit Jul 2019 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-23-403-021 |
| Primary APN | 07-23-403-021 |
|---|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,890 sqft Living Area |
| Gross Area | 4,341 sqft |
| 1st Floor Area | 1,451 sqft |
| 2nd Floor Area | 1,439 sqft |
| Basement Area | 1,451 sqft |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Lot Area | 18,731 sqft (0.43 acres) |
| Lot Dimensions | 14.6 ft deep x 10.9 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 738 S RIVER RD |
|---|---|
| City | NAPERVILLE |
| State | IL |
| Zip | 60540-6333 |
| 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 | 40 |
| Legal Unit | 1 |
| Jurisdiction | DU PAGE IL |
| Township / Civil Division | NAPERVILLE |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 846521 |
738 S River Rd is owned and occupied by two individuals who bought it in August 2024.
Source: DuPage County records, as of August 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 738 S RIVER RD, NAPERVILLE, IL 60540-6333 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 |
|---|---|
| Feb 18, 2020 | Deed of Trust, Mortgage · Line of Credit MUTUAL FEDERAL BANK |
| Jul 1, 2019 | Deed of Trust, Mortgage · Conventional Mortgage MUTUAL FEDERAL BANK |
| Dec 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MUTUAL FEDERAL BANK |
| Nov 24, 2021 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Jun 11, 2018 | Warranty Deed, Transfer · Conventional with PMI COMMUNITY BK/OAK PK RIV FOREST |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 29, 2024 · Amount on File |
| Deed Sale | Aug 29, 2024 · Amount on File |
| Prior Sale | Aug 29, 2024 · Amount on File |
| Deed Document Number | 202450670 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DU PAGE IL |
| Property Address | 738 S RIVER RD, NAPERVILLE, IL 60540-6333 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2021 |
| Title Company | PRAIRIE TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000015902 |
|---|---|
| Date | Feb 18, 2020 |
| Instrument | R2020-015902 |
| Name | MUTUAL FEDERAL BANK |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60608 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jan 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DU PAGE IL |
| Property Address | 738 S RIVER RD, NAPERVILLE, IL 60540-6333 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000052582 |
|---|---|
| Date | Jul 1, 2019 |
| Instrument | R2019-052582 |
| Name | MUTUAL FEDERAL BANK |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60608 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DU PAGE IL |
| Property Address | 738 S RIVER RD, NAPERVILLE, IL 60540-6333 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000158936 |
|---|---|
| Date | Dec 23, 2020 |
| Instrument | R2020-158936 |
| Name | MUTUAL FEDERAL BANK |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60608 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.99% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DU PAGE IL |
| Recording Date | Nov 24, 2021 |
| Property Address | 738 S RIVER RD, NAPERVILLE, IL 60540-6333 |
| Document Number | 0000170527 |
| Map Reference | DOC R79-12213 |
| Instrument Date | Sep 24, 2021 |
| Instrument | R2021-170527 |
| 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 | $600.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 738 S RIVER RD, NAPERVILLE, IL 60540-6333 |
| Document Number | 0000170528 |
|---|---|
| Date | Nov 24, 2021 |
| Instrument | R2021-170528 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Oct 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.87% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DU PAGE IL |
| Recording Date | Jun 11, 2018 |
| Property Address | 738 S RIVER RD, NAPERVILLE, IL 60540-6333 |
| Document Number | 0000051849 |
| Instrument Date | May 7, 2018 |
| Instrument | 51849 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2018 |
| Title Company | STEWART TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $690.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 24154 NEWCASTLE ST PLAINFIELD IL 605857909, PLAINFIELD, IL 60585-7909 |
| Document Number | 51850 |
|---|---|
| Date | Jun 11, 2018 |
| Instrument | 51850 |
| Name | COMMUNITY BK/OAK PK RIV FOREST |
|---|---|
| Type | Bank |
| Address | OAK PARK, IL 60301 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 10, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.87% |
The 2025 property tax bill for 738 S River Rd was $13,555.
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 | $13,555.00 | $237,891 Land $62,014 Building $175,877 | $713,673 Land $186,042 Building $527,631 |
| 2022 | $12,241.00 Homeowner's exemption | $185,130 Land $47,870 Building $137,260 | $555,390 Land $143,610 Building $411,780 |
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 738 S River Rd 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 risk around 738 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 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 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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