897 Sumter Ct, Naperville, IL 60540 Property Records

DuPage County property record for 897 Sumter Ct, Naperville, IL 60540

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,487 sqft · built 1981
Lot Size	0.53 acres (23,087 sqft)
Owner	Individual Name on Record
Last Sale	$292,000 (Jun 2000)
Tax Bill	$12,768 (2025)
Deeds & Mortgages	Jan 2018 Mortgage Jan 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`07-25-108-002`

Property Details

APN / Parcel Number

Primary APN	`07-25-108-002`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,487 sqft Living Area
Gross Area	3,717 sqft
1st Floor Area	1,327 sqft
2nd Floor Area	1,160 sqft
Basement Area	1,230 sqft

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Exterior Material	Brick
Construction Type	Brick
Lot Area	23,087 sqft (0.53 acres)
Lot Dimensions	17.1 ft deep x 11.5 ft wide
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	897 SUMTER CT
City	NAPERVILLE
State	IL
Zip	60540-7115
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	HOBSON WEST UNIT 4 ALL
Legal Subdivision	HOBSON WEST UNIT 4
Legal Lot Number	328
Legal Unit	4
Jurisdiction	DU PAGE IL
Township / Civil Division	NAPERVILLE
Census Block Group	1
Census Block	1004
Census Tract	846523

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	897 SUMTER CT, NAPERVILLE, IL 60540-7115
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2018	Deed of Trust, Mortgage · Conventional Mortgage BMO HARRIS BANK NA
Jan 30, 2018	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 26, 2000 · Amount on Record
Deed Sale	Jun 26, 2000 · Amount on Record
Deed Document Number	200096779
Record Updated	Sep 20, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	897 SUMTER CT, NAPERVILLE, IL 60540-7115
Transaction Type	Mortgage
Record Updated	Dec 14, 2021
Title Company	CHICAGO TITLE INSURANCE COMP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009223
Date	Jan 30, 2018
Instrument	R2018-009223

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2038

Interest

Rate	3.87%

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	897 SUMTER CT, NAPERVILLE, IL 60540-7115
Transaction Type	Mortgage
Record Updated	Dec 14, 2021
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009224
Date	Jan 30, 2018
Instrument	R2018-009224

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 24, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.84%
Change Frequency	Monthly

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	Naperville Community Unit District 203 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$12,768.00 (+17.14%)	$226,980 (+29.92%) Land $89,367 Building $137,613	$680,940 (+29.92%) Land $268,101 Building $412,839
2022	$10,900.00 Homeowner's exemption	$174,710 Land $68,320 Building $106,390	$524,130 Land $204,960 Building $319,170

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

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	7 (1982–2015)
Claims Outside the SFHA	4 of 7
Most Recent Claim	Jun 2015 · 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 99.1% of the US · lower than 94% 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	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 450 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	300 / 20
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: T-Mobile.

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