868 Seneca Ln, Carol Stream, IL 60188 Property Records

DuPage County property record for 868 Seneca Ln, Carol Stream, IL 60188

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,864 sqft · built 1976
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on File
Tax Bill	$9,109 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Dec 2023 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`01-25-403-023`

Property Details

APN / Parcel Number

Primary APN	`01-25-403-023`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,864 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Lot Area	10,454 sqft (0.24 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	868 SENECA LN
City	CAROL STREAM
State	IL
Zip	60188-9140
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	SHINING WATERS UNIT 1 ALL
Legal Subdivision	SHINING WATERS UNIT 1
Legal Lot Number	311
Legal Unit	1
Jurisdiction	DU PAGE IL
Township / Civil Division	WAYNE
Census Block Group	2
Census Block	2006
Census Tract	841307

Owner

868 Seneca Ln is owned and occupied by an individual who acquired it in March 2018.

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

Owner of Record	Individual Name on File
Mailing Address	868 SENECA LN, CAROL STREAM, IL 60188-9140
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
Sep 26, 2025	Deed of Trust, Mortgage · Conventional Mortgage T2 FINANCIAL LLC
Dec 13, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Oct 29, 2020	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Apr 8, 2021	Deed of Trust, Mortgage · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORP
Mar 15, 2018	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE
Nov 16, 2017	Warranty Deed, Transfer · Line of Credit WHEATON BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 15, 2018
Deed Sale	Mar 15, 2018
Prior Sale	Nov 16, 2017 · Amount on File
Deed Document Number	201822798
Prior Transfer Date	Sep 22, 2006
Prior Transfer Doc	0000199059
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	868 SENECA LN, CAROL STREAM, IL 60188-9140
Transaction Type	Mortgage
Record Updated	Oct 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	868 SENECA LN, CAROL STREAM, IL 60188-9140

Mortgage

Document Number	0000060652
Date	Sep 26, 2025
Instrument	R2025-060652

Lender

Name	T2 FINANCIAL LLC
Type	Mortgage Company
Address	WESTERVILLE, OH 43082

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Fixed Rate
Rate	6.62%

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	868 SENECA LN, CAROL STREAM, IL 60188-9140
Transaction Type	Mortgage
Record Updated	Jan 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	868 SENECA LN, CAROL STREAM, IL 60188-9140

Mortgage

Document Number	0000079186
Date	Dec 13, 2023
Instrument	R2023-079186

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	328 Months
Due	Apr 1, 2051

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	868 SENECA LN, CAROL STREAM, IL 60188-9140
Transaction Type	Mortgage
Record Updated	Aug 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	868 SENECA LN, CAROL STREAM, IL 60188-9140

Mortgage

Document Number	0000128138
Date	Oct 29, 2020
Instrument	R2020-128138

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	330 Months
Due	Apr 1, 2048

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	868 SENECA LN, CAROL STREAM, IL 60188-9140
Transaction Type	Mortgage
Record Updated	Aug 4, 2022
Title Company	NOVAS TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000055530
Date	Apr 8, 2021
Instrument	R2021-055530

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.87%

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DU PAGE IL
Recording Date	Mar 15, 2018
Property Address	868 SENECA LN, CAROL STREAM, IL 60188-9140
Document Number	0000022798
Instrument Date	Feb 28, 2018
Instrument	22798
Transaction Type	Transfer
Record Updated	Apr 3, 2018
Title Company	AFFINITY TITLE SERVICES

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	868 SENECA LN CAROL STREAM IL 601889140, CAROL STREAM, IL 60188-9140

Mortgage

Document Number	22799
Date	Mar 15, 2018
Instrument	22799

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 14, 2048

Interest

Rate Type	Fixed Rate
Rate	4.5%

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DU PAGE IL
Recording Date	Nov 16, 2017
Property Address	868 SENECA LN, CAROL STREAM, IL 60188-9140
Document Number	0000118317
Instrument Date	Nov 2, 2017
Instrument	118317
Transaction Type	Transfer
Record Updated	Dec 4, 2017
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Tax	$185.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	29W225 NORTH AVE WEST CHICAGO IL 601851340, WEST CHICAGO, IL 60185-1340

Mortgage

Document Number	118318
Date	Nov 16, 2017
Instrument	118318

Lender

Name	WHEATON BK&TR
Type	Bank
Address	100 N WHEATON AVE, WHEATON, IL 60187-5122

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Nov 15, 2018

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 868 Seneca Ln was $9,109 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	Wayne Township
Municipality	Carol Stream Village
Elementary School District	Benjamin School District 25 (PK - 08)
Secondary School District	Community High School District 94 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,109.00	$119,893 Land $37,572 Building $82,321	$359,679 Land $112,716 Building $246,963
2022	$8,034.00 Homeowner's exemption	$93,000 Land $29,140 Building $63,860	$279,000 Land $87,420 Building $191,580

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 868 Seneca Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2026.

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 5 (25% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2026)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2026 · other causes

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

Wildfire risk around 868 Seneca Ln is low, with less than a 0.01% annual chance of 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	None beyond 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 199 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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