DuPage County property record for 821 S River Rd, Naperville, IL 60540
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2.5 ba · 3,993 sqft · built 1988 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $700,000 (Apr 2024) |
| Tax Bill | $13,775 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Nov 2025 Transfer + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-23-411-029 |
| Primary APN | 07-23-411-029 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,993 sqft Living Area |
| Gross Area | 4,471 sqft |
| 1st Floor Area | 1,508 sqft |
| 2nd Floor Area | 1,485 sqft |
| Basement Area | 1,478 sqft |
| Finished Basement | 1,000 sqft |
| Unfinished Basement | 478 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Construction Type | Frame |
| Lot Area | 10,890 sqft (0.25 acres) |
| Lot Dimensions | 13.3 ft deep x 7.5 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Water Source | Commercial |
| Street Address | 821 S RIVER RD |
|---|---|
| City | NAPERVILLE |
| State | IL |
| Zip | 60540-6384 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | THE COUNTRYSIDE OF NAPERVILLE UNIT 4 ALL |
| Legal Subdivision | THE COUNTRYSIDE OF NAPERVILLE UNIT 4 |
| Legal Lot Number | 32 |
| Legal Unit | 4 |
| Jurisdiction | DU PAGE IL |
| Township / Civil Division | NAPERVILLE |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 846521 |
821 S River Rd is owner-occupied and held in a trust since April 2024.
Source: DuPage County records, as of August 17, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 821 S RIVER RD, NAPERVILLE, IL 60540-6384 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
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 |
|---|---|
| Oct 31, 2025 | Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Nov 14, 2025 | Intrafamily Transfer, Transfer |
| Apr 30, 2024 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Mar 15, 2022 | Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC |
| Oct 14, 2020 | Deed of Trust, Mortgage · Line of Credit REPUBLIC BANK OF CHICAGO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 30, 2024 · Amount on File |
| Deed Sale | Apr 30, 2024 · Amount on File |
| Prior Sale | Mar 15, 2022 · Amount on File |
| Deed Document Number | 202423336 |
| Prior Transfer Date | Oct 8, 1993 |
| Prior Transfer Doc | 0000240143 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DU PAGE IL |
| Property Address | 821 S RIVER RD, NAPERVILLE, IL 60540-6384 |
| Transaction Type | Mortgage |
| Record Updated | Nov 21, 2025 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 821 S RIVER RD, NAPERVILLE, IL 60540-6384 |
| Document Number | 0000070144 |
|---|---|
| Date | Oct 31, 2025 |
| Instrument | R2025-070144 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CLEVELAND, OH 44114 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.12% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | DU PAGE IL |
| Recording Date | Nov 14, 2025 |
| Property Address | 821 S RIVER RD, NAPERVILLE, IL 60540-6384 |
| Document Number | 0000073642 |
| Map Reference | DOC R86-82193 |
| Instrument Date | Nov 3, 2025 |
| Instrument | R2025-073642 |
| Transaction Type | Transfer |
| Record Updated | Dec 3, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 821 S RIVER RD, NAPERVILLE, IL 60540-6384 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DU PAGE IL |
| Recording Date | Apr 30, 2024 |
| Property Address | 821 S RIVER RD, NAPERVILLE, IL 60540-6384 |
| Document Number | 0000023336 |
| Map Reference | DOC R86-82193 |
| Instrument Date | Apr 21, 2024 |
| Instrument | R2024-023336 |
| Transaction Type | Transfer |
| Record Updated | May 16, 2024 |
| Title Company | NOT AVAILABLE, ELEVATION TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $700.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 821 S RIVER RD, NAPERVILLE, IL 60540-6384 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 821 S RIVER RD, NAPERVILLE, IL 60540-6384 |
| Document Number | 0000023337 |
|---|---|
| Date | Apr 30, 2024 |
| Instrument | R2024-023337 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2054 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.87% |
| Document Type | Deed |
|---|---|
| Jurisdiction | DU PAGE IL |
| Recording Date | Mar 15, 2022 |
| Property Address | 821 S RIVER RD, NAPERVILLE, IL 60540-6384 |
| Document Number | 0000027081 |
| Map Reference | DOC R86-82193 |
| Instrument Date | Feb 14, 2022 |
| Instrument | R2022-027081 |
| Transaction Type | Transfer |
| Record Updated | Mar 30, 2022 |
| Title Company | BAIRD AND WARNER TITLE SERVICES INC, BAIRD & WARNER TTL SVCS INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $555.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 821 S RIVER RD, NAPERVILLE, IL 60540-6384 |
| Document Number | 0000027082 |
|---|---|
| Date | Mar 15, 2022 |
| Instrument | R2022-027082 |
| Name | PROSPERITY HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DU PAGE IL |
| Property Address | 821 S RIVER RD, NAPERVILLE, IL 60540-6384 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2021 |
| Name | Verified Name |
|---|---|
| Address | 821 S RIVER RD, NAPERVILLE, IL 60540-6384 |
| Document Number | 0000117462 |
|---|---|
| Date | Oct 14, 2020 |
| Instrument | R2020-117462 |
| Name | REPUBLIC BANK OF CHICAGO |
|---|---|
| Type | Bank |
| Address | OAK BROOK, IL 60523 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Sep 23, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Change Frequency | Monthly |
The 2025 property tax bill for 821 S River Rd was $13,775, up 3.9% from the year before.
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 | $13,775.00 (+3.95%) | $241,626 (+9.67%) Land $55,131 Building $186,495 | $724,878 (+9.67%) Land $165,393 Building $559,485 |
| 2024 | $13,252.00 Homeowner's exemption | $220,321 Land $50,270 Building $170,051 | $660,963 Land $150,810 Building $510,153 |
| 2022 | $12,409.00 Homeowner's exemption | $187,580 Land $42,560 Building $145,020 | $562,740 Land $127,680 Building $435,060 |
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 821 S River Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
| 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.
The area around 821 S River Rd has no burnable land within ember reach, so its wildfire risk is not rated.
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 | 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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