DuPage County property record for 846 Emerald Dr, Naperville, IL 60540
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,024 sqft · built 1959 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $330,000 (Jan 2018) |
| Tax Bill | $8,636 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Jan 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-24-411-003 |
| Primary APN | 07-24-411-003 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 3 Stories |
| Building Area | 2,024 sqft Living Area |
| 1st Floor Area | 1,288 sqft |
| Basement Area | 736 sqft |
| Finished Basement | 736 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Architectural Style | Tri-Level |
| Construction Type | Brick |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 12.4 ft deep x 8.2 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Water Source | Commercial |
| Street Address | 846 EMERALD DR |
|---|---|
| City | NAPERVILLE |
| State | IL |
| Zip | 60540-7209 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | MOSER HIGHLANDS UNIT NO 9 |
| Legal Subdivision | MOSER HIGHLANDS |
| Legal Block | 5 |
| Legal Lot Number | 11 |
| Legal Unit | 9 |
| Jurisdiction | DU PAGE IL |
| Township / Civil Division | NAPERVILLE |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 846523 |
Source: DuPage County records, as of August 24, 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 | 846 EMERALD DR, NAPERVILLE, IL 60540-7209 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Aug 12, 2026 | Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE MORTGAGE |
| Jan 18, 2018 | Warranty Deed, Transfer · Conventional with PMI HOMESERVICES LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 18, 2018 · Amount on Record |
| Deed Sale | Jan 18, 2018 · Amount on Record |
| Prior Sale | Oct 11, 2007 · Amount on Record |
| Deed Document Number | 20185469 |
| Prior Transfer Date | Feb 26, 2013 |
| Prior Transfer Doc | 0000041917 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DU PAGE IL |
| Recording Date | Aug 12, 2026 |
| Property Address | 846 EMERALD DR, NAPERVILLE, IL 60540-7209 |
| Document Number | 0000055198 |
| Instrument Date | Aug 6, 2026 |
| Instrument | 202655198 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety, 298 |
| Address | 846 EMERALD DR, NAPERVILLE, IL 60540-7209 |
| Investor | Possibly a Property Investor |
| Document Number | 0000055198, |
|---|---|
| Date | Aug 12, 2026 |
| Instrument | 202655198 |
| Name | MORTGAGE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 9.38% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DU PAGE IL |
| Recording Date | Jan 18, 2018 |
| Property Address | 846 EMERALD DR, NAPERVILLE, IL 60540-7209 |
| Document Number | 0000005469 |
| Instrument Date | Dec 29, 2017 |
| Instrument | 5469 |
| Transaction Type | Transfer |
| Record Updated | Jan 30, 2018 |
| Title Company | ATTORNEY'S TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $495.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1121 N PRINCETON AVE VILLA PARK IL 601811051, VILLA PARK, IL 60181-1051 |
| Document Number | 5470 |
|---|---|
| Date | Jan 18, 2018 |
| Instrument | 5470 |
| Name | HOMESERVICES LNDG |
|---|---|
| Address | WEST DES MOINES, IA 50266 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 17, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.5% |
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 | Naperville Community Unit District 203 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,636.00 (+17.02%) | $156,128 (+29.87%) Land $62,832 Building $93,296 | $468,384 (+29.87%) Land $188,496 Building $279,888 |
| 2022 | $7,380.00 Homeowner's exemption | $120,220 Land $48,040 Building $72,180 | $360,660 Land $144,120 Building $216,540 |
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 10 (0% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 2 (1979–1983) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Jul 1983 · rainfall accumulation |
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 | 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 282 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 · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
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