DuPage County property record for 856 Cardiff Rd, Naperville, IL 60565
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,602 sqft · built 1987 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $730,000 (Jan 2026) |
| Tax Bill | $13,574 (2025) |
| Deeds & Mortgages | Apr 2024 Line of Credit Jan 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-25-303-001 |
| Primary APN | 07-25-303-001 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 3,602 sqft Living Area |
| Gross Area | 5,247 sqft |
| 1st Floor Area | 1,645 sqft |
| 2nd Floor Area | 1,957 sqft |
| Basement Area | 1,645 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Construction Type | Frame |
| Lot Area | 13,504 sqft (0.31 acres) |
| Lot Dimensions | 13.5 ft deep x 10 ft wide |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Water Source | Commercial |
| Street Address | 856 CARDIFF RD |
|---|---|
| City | NAPERVILLE |
| State | IL |
| Zip | 60565-1285 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | BRIGHTON RIDGE UNIT 1 ALL |
| Legal Subdivision | BRIGHTON RIDGE UNIT 1 |
| Legal Lot Number | 115 |
| Legal Unit | 1 |
| Jurisdiction | DU PAGE IL |
| Township / Civil Division | NAPERVILLE |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 846524 |
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 | 2930 N SHERIDAN RD, 306, CHICAGO, IL 60657-6601 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Apr 12, 2024 | Deed of Trust, Mortgage · Line of Credit BMO BANK NA |
| Jan 22, 2026 | Warranty Deed, Transfer · Conventional Mortgage A & N MORTGAGE SERVICES INC |
| Dec 29, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage COMPASS MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 22, 2026 · Amount on Record |
| Deed Sale | Jan 22, 2026 · Amount on Record |
| Prior Sale | Apr 16, 2008 · Amount on Record |
| Deed Document Number | 20264882 |
| Prior Transfer Date | Oct 19, 2020 |
| Prior Transfer Doc | 0000161012 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DU PAGE IL |
| Property Address | 856 CARDIFF RD, NAPERVILLE, IL 60565-1285 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000019460 |
|---|---|
| Date | Apr 12, 2024 |
| Instrument | R2024-019460 |
| Name | BMO BANK NA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60606 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 10, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 10.5% |
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DU PAGE IL |
| Recording Date | Jan 22, 2026 |
| Property Address | 856 CARDIFF RD, NAPERVILLE, IL 60565-1285 |
| Document Number | 0000004882 |
| Map Reference | DOC R86-158160 |
| Instrument Date | Jan 9, 2026 |
| Instrument | R2026-004882 |
| Transaction Type | Transfer |
| Record Updated | Feb 9, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $730.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 856 CARDIFF RD, NAPERVILLE, IL 60565-1285 |
| Document Number | 0000004883 |
|---|---|
| Date | Jan 22, 2026 |
| Instrument | R2026-004883 |
| Name | A & N MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.99% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | DU PAGE IL |
| Recording Date | Dec 29, 2020 |
| Property Address | 856 CARDIFF RD, NAPERVILLE, IL 60565-1285 |
| Document Number | 0000161012 |
| Map Reference | DOC R86-158160 |
| Instrument Date | Oct 19, 2020 |
| Instrument | R2020-161012 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| Title Company | CARRINGTON TTL PARTNERS LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 856 CARDIFF RD, NAPERVILLE, IL 60565-1285 |
| Document Number | 0000161013 |
|---|---|
| Date | Dec 29, 2020 |
| Instrument | R2020-161013 |
| Name | COMPASS MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Nov 1, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.75% |
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 | $13,574.00 (+3.94%) | $238,221 (+9.67%) Land $68,715 Building $169,506 | $714,663 (+9.67%) Land $206,145 Building $508,518 |
| 2024 | $13,059.00 (+7.61%) Homeowner's exemption | $217,216 (+18.33%) Land $62,656 Building $154,560 | $651,648 (+18.33%) Land $187,968 Building $463,680 |
| 2022 | $12,135.00 Homeowner's exemption | $183,570 Land $52,550 Building $131,020 | $550,710 Land $157,650 Building $393,060 |
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.
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 |
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 99.8% of the US · lower than 99.8% 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 254 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 | 300 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
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