DuPage County property record for 86 S River Rd, Naperville, IL 60540
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 3.5 ba · 3,984 sqft · built 1982 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $820,000 (Oct 2022) |
| Tax Bill | $15,089 (2025) |
| Deeds & Mortgages | Oct 2022 Sale & Mortgage Dec 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-14-420-001 |
| Primary APN | 07-14-420-001 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 3,984 sqft Living Area |
| Gross Area | 4,250 sqft |
| 1st Floor Area | 1,534 sqft |
| 2nd Floor Area | 1,652 sqft |
| Basement Area | 1,064 sqft |
| Finished Basement | 798 sqft |
| Unfinished Basement | 266 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Architectural Style | Traditional |
| Construction Type | Frame |
| Lot Area | 13,068 sqft (0.3 acres) |
| Lot Dimensions | 13.2 ft deep x 10 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Water Source | Commercial |
| Street Address | 86 S RIVER RD |
|---|---|
| City | NAPERVILLE |
| State | IL |
| Zip | 60540-4239 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | WILL-O-WAY PARK UNIT 8 ALL |
| Legal Subdivision | WILL-O-WAY PARK |
| Legal Lot Number | 27 |
| Legal Unit | 8 |
| Jurisdiction | DU PAGE IL |
| Township / Civil Division | NAPERVILLE |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 846504 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 86 S RIVER RD, NAPERVILLE, IL 60540-4239 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Date | Document |
|---|---|
| Oct 25, 2022 | Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Dec 21, 2017 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 25, 2022 · Amount on Record |
| Deed Sale | Oct 25, 2022 · Amount on Record |
| Prior Sale | Jun 6, 2007 · Amount on Record |
| Deed Document Number | 202296433 |
| Prior Transfer Date | Jan 9, 2019 |
| Prior Transfer Doc | 0000004590 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | DU PAGE IL |
| Recording Date | Oct 25, 2022 |
| Property Address | 86 S RIVER RD, NAPERVILLE, IL 60540-4239 |
| Document Number | 0000096433 |
| Map Reference | DOC R77-99038 |
| Instrument Date | Oct 19, 2022 |
| Instrument | R2022-096433 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2022 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $820.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 86 S RIVER RD, NAPERVILLE, IL 60540-4239 |
| Document Number | 0000096434 |
|---|---|
| Date | Oct 25, 2022 |
| Instrument | R2022-096434 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 7% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DU PAGE IL |
| Property Address | 86 S RIVER RD, NAPERVILLE, IL 60540-4239 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000130216 |
|---|---|
| Date | Dec 21, 2017 |
| Instrument | R2017-130216 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2048 |
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 | $15,089.00 (+22.53%) | $266,793 (+35.7%) Land $58,817 Building $207,976 | $800,379 (+35.7%) Land $176,451 Building $623,928 |
| 2022 | $12,315.00 Homeowner's exemption | $196,610 Land $44,550 Building $152,060 | $589,830 Land $133,650 Building $456,180 |
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 |
| Nearby Flood Claims | 1 (2001) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 2001 · 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 | 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.
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 476 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 · Fixed Wireless in parts of the area | 100 / 20 |
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