863 S River Rd, Naperville, IL 60540 Property Records

DuPage County property record for 863 S River Rd, Naperville, IL 60540

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,608 sqft · built 1987
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on Record
Last Sale	$437,000 (Jun 2009)
Tax Bill	$11,855 (2025)
Deeds & Mortgages	Oct 2018 Line of Credit Sep 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-23-411-020`

Property Details

APN / Parcel Number

Primary APN	`07-23-411-020`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,608 sqft Living Area
Gross Area	3,898 sqft
1st Floor Area	1,318 sqft
2nd Floor Area	1,290 sqft
Basement Area	1,290 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Brick
Construction Type	Brick
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	11.7 ft deep x 8.6 ft wide
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	863 S RIVER RD
City	NAPERVILLE
State	IL
Zip	60540-6384
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	THE COUNTRYSIDE OF NAPERVILLE UNIT 4 ALL
Legal Subdivision	THE COUNTRYSIDE OF NAPERVILLE UNIT 4
Legal Lot Number	23
Legal Unit	4
Jurisdiction	DU PAGE IL
Township / Civil Division	NAPERVILLE
Census Block Group	1
Census Block	1004
Census Tract	846521

Owner

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	13604 GUM SPRING DR, ROCKVILLE, MD 20850-3587
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2018	Deed of Trust, Mortgage · Line of Credit HSBC BANK USA
Sep 16, 2021	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Nov 13, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 12, 2009 · Amount on Record
Deed Sale	Jun 12, 2009 · Amount on Record
Prior Sale	Aug 17, 2004 · Amount on Record
Deed Document Number	200989993
Prior Transfer Date	May 16, 1994
Prior Transfer Doc	0000113573
Record Updated	Oct 29, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	863 S RIVER RD, NAPERVILLE, IL 60540-6384
Transaction Type	Mortgage
Record Updated	Dec 14, 2021
Title Company	BOSTON NATIONAL TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000099242
Date	Oct 22, 2018
Instrument	R2018-099242

Lender

Name	HSBC BANK USA
Type	Bank
Address	NEW YORK, NY 10018

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Nov 15, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DU PAGE IL
Recording Date	Sep 16, 2021
Property Address	863 S RIVER RD, NAPERVILLE, IL 60540-6384
Document Number	0000138248
Map Reference	DOC R86-82913
Instrument Date	Aug 31, 2021
Instrument	R2021-138248
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	13604 GUM SPRING DR, ROCKVILLE, MD 20850-3587

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DU PAGE IL
Recording Date	Nov 13, 2017
Property Address	863 S RIVER RD, NAPERVILLE, IL 60540-6384
Document Number	0000116242
Instrument Date	Nov 8, 2017
Instrument	116242
Transaction Type	Transfer
Record Updated	Dec 1, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	13604 GUM SPRING DR ROCKVILLE MD 208503587, ROCKVILLE, MD 20850-3587

Tax Assessment & Valuation

Source: DuPage County assessment roll, as of August 17, 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$11,855.00 (+6.48%)	$217,070 (+28.5%) Land $55,131 Building $161,939	$651,210 (+28.5%) Land $165,393 Building $485,817
2022	$11,134.00 Homeowner's exemption	$168,930 Land $42,560 Building $126,370	$506,790 Land $127,680 Building $379,110

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	4 (1996–2017)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Oct 2017 · other causes
Claims by Event	Severe Storms And Flooding, Jul 1996 · 2 claims

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 79% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 433 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

May also be available: AT&T.

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