928 N Cross St, Wheaton, IL 60187 Property Records

DuPage County property record for 928 N Cross St, Wheaton, IL 60187

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 4,020 sqft · built 1923
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$510,000 (Jun 2018)
Tax Bill	$13,383 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-09-323-007`

Property Details

APN / Parcel Number

Primary APN	`05-09-323-007`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	4,020 sqft Living Area
Basement Area	1,395 sqft
Finished Basement	1,395 sqft

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	16.3 ft deep x 6 ft wide
View / Lot	Corner
Garage Type	Detached
Garage Area	364 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	252 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	928 N CROSS ST
City	WHEATON
State	IL
Zip	60187-3586
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	N E GARYS 2ND ADD ALL N 8 FT & E 1/2 VAC ALLEY ADJ ON W
Legal Subdivision	N E GARYS 2ND ADD
Jurisdiction	DU PAGE IL
Township / Civil Division	MILTON
Census Block Group	2
Census Block	2024
Census Tract	841801

Owner

928 N Cross St is owned and occupied by two individuals who bought it in June 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	928 N CROSS ST, WHEATON, IL 60187-3586
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

Date	Document
Jul 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Dec 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Jun 19, 2018	Warranty Deed, Transfer · Conventional Mortgage INLAND BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 19, 2018 · Amount on File
Deed Sale	Jun 19, 2018 · Amount on File
Deed Document Number	201855615
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	928 N CROSS ST, WHEATON, IL 60187-3586
Transaction Type	Mortgage
Record Updated	Dec 14, 2021
Title Company	TEK TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000114288
Date	Jul 28, 2021
Instrument	R2021-114288

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	239 Months
Due	Jun 1, 2041

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	928 N CROSS ST, WHEATON, IL 60187-3586
Transaction Type	Mortgage
Record Updated	Dec 14, 2021
Title Company	TEK TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000153199
Date	Dec 14, 2020
Instrument	R2020-153199

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	296 Months
Due	Aug 1, 2045

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DU PAGE IL
Recording Date	Jun 19, 2018
Property Address	928 N CROSS ST, WHEATON, IL 60187-3586
Document Number	0000055615
Instrument Date	Jun 8, 2018
Instrument	55615
Transaction Type	Transfer
Record Updated	Jul 9, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$765.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	928 N CROSS ST WHEATON IL 601873586, WHEATON, IL 60187-3586

Mortgage

Document Number	55616
Date	Jun 19, 2018
Instrument	55616

Lender

Name	INLAND BK&TR
Type	Bank
Address	GENEVA, IL 60134

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 18, 2048

Interest

Rate Type	Fixed Rate
Rate	4.5%

Tax Assessment & Valuation

The 2025 property tax bill for 928 N Cross St was $13,383 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	Milton Township
Municipality	Wheaton City
Unified School District	Community Unit School District 200 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$13,383.00	$228,957 Land $47,886 Building $181,071	$686,871 Land $143,658 Building $543,213
2022	$12,302.00 Homeowner's exemption	$183,640 Land $38,410 Building $145,230	$550,920 Land $115,230 Building $435,690

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 928 N Cross St in Zone X, an area of minimal flood risk, though there have been 10 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 6 (20% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	10 (1982–2017)
Claims Outside the SFHA	8 of 10
Most Recent Claim	Apr 2017 · rainfall accumulation
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 3 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

The area around 928 N Cross St has no burnable land within ember reach, so its wildfire risk is not rated.

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WHEATON serves 53,970 people · EPA ID IL0431050
Water Source	Purchased surface water from DU PAGE WATER COMMISSION
Last State Inspection	Jun 2024
Lead	2 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 409 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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