DuPage County property record for 856 S River Rd, Naperville, IL 60540 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,659 sqft · built 1987 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $455,000 (Feb 2020) |
| Tax Bill | $12,839 (2025) |
| Deeds & Mortgages | Jan 2018 Line of Credit Dec 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-23-410-069 |
| Primary APN | 07-23-410-069 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,659 sqft Living Area |
| Gross Area | 3,902 sqft |
| 1st Floor Area | 1,470 sqft |
| 2nd Floor Area | 1,216 sqft |
| Basement Area | 1,216 sqft |
| Finished Basement | 973 sqft |
| Unfinished Basement | 243 sqft |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Construction Type | Frame |
| Lot Area | 10,890 sqft (0.25 acres) |
| Lot Dimensions | 14.1 ft deep x 7.5 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 856 S RIVER RD |
|---|---|
| City | NAPERVILLE |
| State | IL |
| Zip | 60540-6383 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THE COUNTRYSIDE OF NAPERVILLE UNIT 4 ALL |
| Legal Subdivision | THE COUNTRYSIDE OF NAPERVILLE UNIT 4 |
| Legal Lot Number | 15 |
| Legal Unit | 4 |
| Jurisdiction | DU PAGE IL |
| Township / Civil Division | NAPERVILLE |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 846521 |
Source: DuPage County records · APN 07-23-410-069
Assessment roll updated August 17, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 856 S RIVER RD, NAPERVILLE, IL 60540-6383 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jan 04, 2018 | Deed of Trust, Mortgage · Line of Credit CITIBANK NA |
| Dec 02, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CORP |
| Feb 13, 2020 | Warranty Deed, Transfer · Conventional Mortgage FIRST MERCHANTS BANK |
| Jun 29, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 13, 2020 · Amount on Record |
| Deed Sale | Feb 13, 2020 · Amount on Record |
| Prior Sale | Nov 24, 1999 · Amount on Record |
| Deed Document Number | 202015197 |
| Prior Transfer Date | May 22, 2017 |
| Prior Transfer Doc | 0000065255 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DU PAGE IL |
| Property Address | 856 S RIVER RD, NAPERVILLE, IL 60540-6383 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0000000954 |
|---|---|
| Date | Jan 04, 2018 |
| Instrument | R2018-000954 |
| Name | CITIBANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DU PAGE IL |
| Property Address | 856 S RIVER RD, NAPERVILLE, IL 60540-6383 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2021 |
| Title Company | CT |
| Name | Verified Name |
|---|
| Document Number | 0000147295 |
|---|---|
| Date | Dec 02, 2020 |
| Instrument | R2020-147295 |
| Name | FIRST CENTENNIAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | AURORA, IL 60506 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DU PAGE IL |
| Recording Date | Feb 13, 2020 |
| Property Address | 856 S RIVER RD, NAPERVILLE, IL 60540-6383 |
| Document Number | 0000015197 |
| Map Reference | DOC R86-82193 |
| Instrument Date | Jan 16, 2020 |
| Instrument | R2020-015197 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| Title Company | CITYWIDE TITLE CORPORATION |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $455.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 856 S RIVER RD, NAPERVILLE, IL 60540-6383 |
| Document Number | 0000015198 |
|---|---|
| Date | Feb 13, 2020 |
| Instrument | R2020-015198 |
| Name | FIRST MERCHANTS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.62% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | DU PAGE IL |
| Recording Date | Jun 29, 2017 |
| Property Address | 856 S RIVER RD, NAPERVILLE, IL 60540-6383 |
| Document Number | 0000065255 |
| Instrument Date | May 22, 2017 |
| Instrument | 65255 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 856 S RIVER RD NAPERVILLE IL 605406383, NAPERVILLE, IL 60540-6383 |
Source: DuPage County records · Assessment roll updated August 17, 2026 · Last verified August 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) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $12,839.00 (+10.71%) | $225,759 (+28.49%) Land $55,131 Building $170,628 | $677,277 (+28.49%) Land $165,393 Building $511,884 |
| 2022 | $11,597.00 Homeowner's exemption | $175,700 Land $42,560 Building $133,140 | $527,100 Land $127,680 Building $399,420 |
Source: FEMA National Flood Hazard Layer, DuPage County (17043C), updated September 1, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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