905 Sumter Ct, Naperville, IL 60540 Property Records

DuPage County property record for 905 Sumter Ct, Naperville, IL 60540

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,737 sqft · built 1981
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$622,000 (Oct 2022)
Tax Bill	$14,578 (2025)
Deeds & Mortgages	Oct 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-25-108-004`

Property Details

APN / Parcel Number

Primary APN	`07-25-108-004`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,737 sqft Living Area
Gross Area	4,261 sqft
1st Floor Area	1,392 sqft
2nd Floor Area	1,729 sqft
Basement Area	1,140 sqft
Finished Basement	616 sqft
Unfinished Basement	524 sqft

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Construction Type	Frame
Lot Area	10,454 sqft (0.24 acres)
Lot Dimensions	12.3 ft deep x 8.5 ft wide
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	905 SUMTER CT
City	NAPERVILLE
State	IL
Zip	60540-7155
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	326
Legal Unit	4
Jurisdiction	DU PAGE IL
Township / Civil Division	NAPERVILLE
Census Block Group	1
Census Block	1004
Census Tract	846523

Owner

905 Sumter Ct is owned and occupied by two individuals who bought it in October 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	905 SUMTER CT, NAPERVILLE, IL 60540-7155
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 5, 2022 · Amount on File
Deed Sale	Oct 5, 2022 · Amount on File
Prior Sale	Apr 23, 2012 · Amount on File
Deed Document Number	202291282
Record Updated	Sep 20, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	905 SUMTER CT, NAPERVILLE, IL 60540-7155
Transaction Type	Mortgage
Record Updated	Oct 20, 2022
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2451 W FOSTER AVE, CHICAGO, IL 60625-7327

Mortgage

Document Number	0000091283
Date	Oct 5, 2022
Instrument	R2022-091283

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2052

Interest

Rate Type	Fixed Rate
Rate	5.62%

Tax Assessment & Valuation

The 2025 property tax bill for 905 Sumter Ct was $14,578 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	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	$14,578.00	$258,030 Land $85,656 Building $172,374	$774,090 Land $256,968 Building $517,122
2022	$12,454.00 Homeowner's exemption	$198,760 Land $65,500 Building $133,260	$596,280 Land $196,500 Building $399,780

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

FEMA maps place 905 Sumter Ct in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1982.

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

Wildfire risk around 905 Sumter Ct 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 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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