838 Seneca Ln, Carol Stream, IL 60188 Property Records

DuPage County property record for 838 Seneca Ln, Carol Stream, IL 60188

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,052 sqft · built 1976
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Last Sale	$295,000 (Jul 2021)
Tax Bill	$8,525 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-25-403-028`

Property Details

APN / Parcel Number

Primary APN	`01-25-403-028`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,052 sqft Living Area
1st Floor Area	1,296 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,970 sqft (0.16 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	838 SENECA LN
City	CAROL STREAM
State	IL
Zip	60188-9140
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	SHINING WATERS UNIT 1 ALL
Legal Subdivision	SHINING WATERS UNIT 1
Legal Lot Number	306
Legal Unit	1
Jurisdiction	DU PAGE IL
Township / Civil Division	WAYNE
Census Block Group	2
Census Block	2006
Census Tract	841307

Owner

838 Seneca Ln is owned and occupied by an individual who bought it in July 2021.

Source: DuPage County records, as of September 8, 2026

Owner of Record	Individual Name on File
Mailing Address	838 SENECA LN, CAROL STREAM, IL 60188-9140
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICELINK
Mar 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage ALLIED FIRST BANK SB
Jul 23, 2021	Warranty Deed, Transfer · FHA Mortgage WINTRUST MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 23, 2021 · Amount on File
Deed Sale	Jul 23, 2021 · Amount on File
Prior Sale	Dec 3, 2014 · Amount on File
Deed Document Number	2021111922
Prior Transfer Date	Jan 9, 2014
Prior Transfer Doc	0000039827
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Recording Date	Aug 25, 2026
Property Address	838 SENECA LN, CAROL STREAM, IL 60188-9140
Document Number	0000058482
Instrument Date	Aug 1, 2026
Instrument	202658482
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	838 SENECA LN, CAROL STREAM, IL 60188-9140

Mortgage

Document Number	0000058482,
Date	Aug 25, 2026
Instrument	202658482

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	300 Months
Due	Aug 1, 2051

Interest

Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	838 SENECA LN, CAROL STREAM, IL 60188-9140
Transaction Type	Mortgage
Record Updated	Dec 14, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000041009
Date	Mar 15, 2021
Instrument	R2021-041009

Lender

Name	ALLIED FIRST BANK SB
Type	Bank
Address	OSWEGO, IL 60543

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.87%

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DU PAGE IL
Recording Date	Jul 23, 2021
Property Address	838 SENECA LN, CAROL STREAM, IL 60188-9140
Document Number	0000111922
Map Reference	DOC R74- 53598
Instrument Date	Jul 15, 2021
Instrument	R2021-111922
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$295.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	859 COLUMBIA CIR, 859, NORTH AURORA, IL 60542-1813

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	838 SENECA LN, CAROL STREAM, IL 60188-9140

Mortgage

Document Number	0000111923
Date	Jul 23, 2021
Instrument	R2021-111923

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate

Mortgage

Document Number	0000111924
Date	Jul 23, 2021
Instrument	R2021-111924

Lender

Name	ILLINOIS HOUSING DEVELOPMENT AUTHORITY
Type	Government Agency
Address	CHICAGO, IL 60601

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 838 Seneca Ln was $8,525 with a homeowner's exemption.

Source: DuPage County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	DuPage County
County Subdivision	Wayne Township
Municipality	Carol Stream Village
Elementary School District	Benjamin School District 25 (PK - 08)
Secondary School District	Community High School District 94 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,525.00	$112,716 Land $37,572 Building $75,144	$338,148 Land $112,716 Building $225,432
2022	$7,520.00 Homeowner's exemption	$87,430 Land $29,140 Building $58,290	$262,290 Land $87,420 Building $174,870

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.

Flood

FEMA maps place 838 Seneca Ln 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2026)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2026 · other causes

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

The area around 838 Seneca Ln 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CAROL STREAM serves 39,854 people · EPA ID IL0430200
Water Source	Purchased surface water from DU PAGE WATER COMMISSION
Last State Inspection	Sep 2025
Lead	1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 199 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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