856 Niagara St, Carol Stream, IL 60188 Property Records

DuPage County property record for 856 Niagara St, Carol Stream, IL 60188

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,428 sqft · built 1984
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Last Sale	$247,000 (Jul 2018)
Tax Bill	$9,108 (2025)
Deeds & Mortgages	May 2021 Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-30-230-018`

Property Details

APN / Parcel Number

Primary APN	`02-30-230-018`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,428 sqft Living Area
1st Floor Area	804 sqft
2nd Floor Area	624 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Construction Type	Frame
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Window A/C

Location & Zoning

Street Address	856 NIAGARA ST
City	CAROL STREAM
State	IL
Zip	60188-1447
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	WESTERN TRAILS SUB UNIT NO 3 ALL
Legal Subdivision	WESTERN TRAILS SUB
Legal Lot Number	25
Legal Unit	3
Jurisdiction	DU PAGE IL
Township / Civil Division	BLOOMINGDALE
Census Block Group	1
Census Block	1004
Census Tract	841205

Owner

856 Niagara St is owned and occupied by an individual who bought it in July 2018.

Source: DuPage County records, as of August 17, 2026

Owner of Record	Individual Name on File
Mailing Address	856 NIAGARA ST, CAROL STREAM, IL 60188-1447
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
May 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Sep 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Jul 3, 2018	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 3, 2018 · Amount on File
Deed Sale	Jul 3, 2018 · Amount on File
Prior Sale	Dec 17, 1998 · Amount on File
Deed Document Number	201861101
Prior Transfer Date	Jul 29, 1998
Prior Transfer Doc	0000266871
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	856 NIAGARA ST, CAROL STREAM, IL 60188-1447
Transaction Type	Mortgage
Record Updated	Jun 8, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000079637
Date	May 21, 2021
Instrument	R2021-079637

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

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

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	856 NIAGARA ST, CAROL STREAM, IL 60188-1447
Transaction Type	Mortgage
Record Updated	Apr 6, 2021
Title Company	CITYWIDE TITLE CORPORATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000081934
Date	Sep 16, 2019
Instrument	R2019-081934

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Aug 1, 2049

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DU PAGE IL
Recording Date	Jul 3, 2018
Property Address	856 NIAGARA ST, CAROL STREAM, IL 60188-1447
Document Number	0000061101
Map Reference	DOCR78-23295
Instrument Date	May 31, 2018
Instrument	R2018-061101
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	PRIMARY TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,096.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	856 NIAGARA ST, CAROL STREAM, IL 60188-1447

Mortgage

Document Number	0000061102
Date	Jul 3, 2018
Instrument	R2018-061102

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 856 Niagara St was $9,108 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	Bloomingdale Township
Municipality	Carol Stream Village
Elementary School District	Community Consolidated School District 93 (PK - 08)
Secondary School District	Glenbard Township High School District 87 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,108.00	$118,478 Land $35,966 Building $82,512	$355,434 Land $107,898 Building $247,536
2022	$7,343.00 Homeowner's exemption	$85,600 Land $29,890 Building $55,710	$256,800 Land $89,670 Building $167,130

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 856 Niagara St 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

The area around 856 Niagara St 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 639 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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