940 Commons Rd, Naperville, IL 60563 Property Records

DuPage County property record for 940 Commons Rd, Naperville, IL 60563

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,333 sqft · built 2000
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on Record
Last Sale	$426,000 (May 2000)
Tax Bill	$16,262 (2025)
Deeds & Mortgages	May 2019 Line of Credit Feb 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-02-406-010`

Property Details

APN / Parcel Number

Primary APN	`07-02-406-010`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,333 sqft Living Area
Gross Area	5,125 sqft
1st Floor Area	1,812 sqft
2nd Floor Area	1,521 sqft
Basement Area	1,792 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Construction Type	Frame
Lot Area	10,454 sqft (0.24 acres)
Lot Dimensions	13.4 ft deep x 7.8 ft wide
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	940 COMMONS RD
City	NAPERVILLE
State	IL
Zip	60563-2497
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	CENTURY FARMS UNIT 4 ALL
Legal Subdivision	CENTURY FARMS
Legal Lot Number	236
Legal Unit	4
Jurisdiction	DU PAGE IL
Township / Civil Division	NAPERVILLE
Census Block Group	1
Census Block	1002
Census Tract	846405

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	2 Individual Names on Record
Mailing Address	940 COMMONS RD, NAPERVILLE, IL 60563-2497
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 16, 2019	Deed of Trust, Mortgage · Line of Credit US BANK NA
Feb 21, 2019	Deed of Trust, Mortgage · ARM US BANK NA
Feb 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage THIRD FED'L S&L ASSN/CLEVELAND
Feb 15, 2020	Deed of Trust, Mortgage · Line of Credit THIRD FED'L S&L ASSN/CLEVELAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2000 · Amount on Record
Deed Sale	May 23, 2000 · Amount on Record
Deed Document Number	200076938
Last Transfer Date	Oct 2, 2024
Transfer Doc	0000066129
Record Updated	Sep 20, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	940 COMMONS RD, NAPERVILLE, IL 60563-2497
Transaction Type	Mortgage
Record Updated	Dec 14, 2021
Title Company	SOLIDIFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000037610
Date	May 16, 2019
Instrument	R2019-037610

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Apr 12, 2049

Interest

Rate Type	Adjustable Rate
Rate	5.9%
Change Frequency	Monthly

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	940 COMMONS RD, NAPERVILLE, IL 60563-2497
Transaction Type	Mortgage
Record Updated	Dec 14, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012325
Date	Feb 21, 2019
Instrument	R2019-012325

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Mar 1, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.75%
Index	1-Year CMT
Max Rate	8.75%

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	940 COMMONS RD, NAPERVILLE, IL 60563-2497
Document Number	0000021133
Instrument Date	Feb 15, 2020
Transaction Type	Mortgage
Record Updated	Apr 10, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	940 COMMONS RD NAPERVILLE IL 605632497, NAPERVILLE, IL 60563-2497

Mortgage

Document Number	0000021133
Date	Mar 3, 2020
Instrument	21133

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 2, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.19%

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	940 COMMONS RD, NAPERVILLE, IL 60563-2497
Document Number	0000023464
Instrument Date	Feb 15, 2020
Transaction Type	Mortgage
Record Updated	Apr 16, 2020
Title Company	TITLE365 - OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	940 COMMONS RD NAPERVILLE IL 605632497, NAPERVILLE, IL 60563-2497

Mortgage

Document Number	0000023464
Date	Mar 9, 2020
Instrument	23464

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 8, 2050

Interest

Rate Type	Adjustable Rate

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	$16,262.00 (+1.63%)	$294,913 (+9.67%) Land $96,665 Building $198,248	$884,739 (+9.67%) Land $289,995 Building $594,744
2024	$16,001.00 (+16.26%)	$268,910 (+22.78%) Land $88,142 Building $180,768	$806,730 (+22.78%) Land $264,426 Building $542,304
2022	$13,763.00 Homeowner's exemption	$219,020 Land $71,280 Building $147,740	$657,060 Land $213,840 Building $443,220

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	4 in force
Nearby Flood Claims	7 (1979–2010)
Claims Outside the SFHA	5 of 7
Most Recent Claim	Aug 2010 · Severe Storms And Flooding

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	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	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 306 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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