940 Emerald Dr, Naperville, IL 60540 Property Records

DuPage County property record for 940 Emerald Dr, Naperville, IL 60540

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,260 sqft · built 1960
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$451,000 (May 2018)
Tax Bill	$8,661 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Apr 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-204-008`

Property Details

APN / Parcel Number

Primary APN	`07-25-204-008`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	3 Stories
Building Area	2,260 sqft Living Area
1st Floor Area	1,480 sqft
Basement Area	780 sqft
Finished Basement	780 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Tri-Level
Construction Type	Frame
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	13.7 ft deep x 7.5 ft wide
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	940 EMERALD DR
City	NAPERVILLE
State	IL
Zip	60540-7214
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	MOSER HIGHLANDS UNIT NO 9
Legal Subdivision	MOSER HIGHLANDS
Legal Block	8
Legal Lot Number	8
Legal Unit	9
Jurisdiction	DU PAGE IL
Township / Civil Division	NAPERVILLE
Census Block Group	2
Census Block	2008
Census Tract	846523

Owner

940 Emerald Dr is owned and occupied by two individuals who bought it in May 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	940 EMERALD DR, NAPERVILLE, IL 60540-7214
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
Mar 31, 2020	Deed of Trust, Mortgage · Conventional with PMI UNITED HM LNS
Apr 18, 2019	Deed of Trust, Mortgage UNITED HM LNS
May 16, 2018	Warranty Deed, Transfer · Conventional Mortgage UNITED HM LNS
Jun 9, 2017	Grant Deed, Foreclosure HOME CLOSING SERVICES INC, HOME CLOSING SVCS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2018 · Amount on File
Deed Sale	May 16, 2018 · Amount on File
Prior Sale	Jun 9, 2017 · Amount on File
Deed Document Number	201843188
Prior Transfer Date	Feb 27, 2014
Prior Transfer Doc	0000035230
Record Updated	Sep 20, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	940 EMERALD DR, NAPERVILLE, IL 60540-7214
Document Number	0000033852
Instrument Date	Mar 31, 2020
Transaction Type	Mortgage
Record Updated	May 19, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	940 EMERALD DR NAPERVILLE IL 605407214, NAPERVILLE, IL 60540-7214

Mortgage

Document Number	0000033852
Date	Apr 8, 2020
Instrument	33852

Lender

Name	UNITED HM LNS
Type	Funding / Finance Company
Address	WESTCHESTER, IL 60154

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 7, 2050

Interest

Rate Type	Fixed Rate
Rate	3.25%

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	940 EMERALD DR, NAPERVILLE, IL 60540-7214
Document Number	0000030097
Instrument Date	Apr 18, 2019
Transaction Type	Mortgage
Record Updated	May 8, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	940 EMERALD DR NAPERVILLE IL 605407214, NAPERVILLE, IL 60540-7214

Mortgage

Document Number	0000030097
Date	Apr 23, 2019
Instrument	30097

Lender

Name	UNITED HM LNS
Type	Funding / Finance Company
Address	WESTCHESTER, IL 60154

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 22, 2049

Interest

Rate Type	Fixed Rate
Rate	4%

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DU PAGE IL
Recording Date	May 16, 2018
Property Address	940 EMERALD DR, NAPERVILLE, IL 60540-7214
Document Number	0000043188
Instrument Date	May 9, 2018
Instrument	43188
Transaction Type	Transfer
Record Updated	Jun 8, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$676.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	940 EMERALD DR NAPERVILLE IL 605407214, NAPERVILLE, IL 60540-7214

Mortgage

Document Number	43189
Date	May 16, 2018
Instrument	43189

Lender

Name	UNITED HM LNS
Type	Funding / Finance Company
Address	WESTCHESTER, IL 60154

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 15, 2048

Interest

Rate Type	Fixed Rate
Rate	4.5%

June 2017: Grant Deed, Foreclosure

Document Type	Grant Deed
Jurisdiction	DU PAGE IL
Recording Date	Jun 9, 2017
Property Address	940 EMERALD DR, NAPERVILLE, IL 60540-7214
Document Number	0000056884
Instrument Date	Jun 7, 2017
Instrument	56884
Transaction Type	Foreclosure
Record Updated	Jul 5, 2017
Title Company	HOME CLOSING SERVICES INC, HOME CLOSING SVCS INC

Transaction

Amount	Amount on Record
Tax	$405.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	7403 INVERWAY DR VILLAGE OF LAKEWOOD IL 600146613, VILLAGE OF LAKEWOOD, IL 60014-6613

Tax Assessment & Valuation

The 2025 property tax bill for 940 Emerald Dr was $8,661 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	$8,661.00	$156,556 Land $57,987 Building $98,569	$469,668 Land $173,961 Building $295,707
2022	$7,325.00 Homeowner's exemption	$120,590 Land $44,330 Building $76,260	$361,770 Land $132,990 Building $228,780

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 940 Emerald Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.

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	2 (1979–1983)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jul 1983 · rainfall accumulation

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 940 Emerald Dr 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	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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