957 Elm St, Naperville, IL 60540 Property Records

DuPage County property record for 957 Elm St, Naperville, IL 60540

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,156 sqft · built 1989
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Last Sale	$435,000 (Dec 2022)
Tax Bill	$10,736 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Dec 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-26-208-013`

Property Details

APN / Parcel Number

Primary APN	`07-26-208-013`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,156 sqft Living Area
Gross Area	2,911 sqft
1st Floor Area	1,212 sqft
2nd Floor Area	944 sqft
Basement Area	755 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Split Level
Exterior Material	Brick
Construction Type	Brick
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	12 ft deep x 7.5 ft wide
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	957 ELM ST
City	NAPERVILLE
State	IL
Zip	60540-0345
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	THE FIELDS UNIT 2 ALL
Legal Subdivision	THE FIELDS
Legal Lot Number	128
Legal Unit	2
Jurisdiction	DU PAGE IL
Township / Civil Division	NAPERVILLE
Census Block Group	1
Census Block	1008
Census Tract	846521

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	1004 N PLUM GROVE RD, SCHAUMBURG, IL 60173-4679
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2025	Deed of Trust, Mortgage · FHA Mortgage GUILD MORTGAGE CO
Dec 13, 2022	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 13, 2022 · Amount on File
Deed Sale	Dec 13, 2022 · Amount on File
Prior Sale	May 22, 2009 · Amount on File
Deed Document Number	2022107560
Prior Transfer Date	Nov 29, 2006
Prior Transfer Doc	0000026045
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	957 ELM ST, NAPERVILLE, IL 60540-0345
Transaction Type	Mortgage
Record Updated	Oct 8, 2025
Title Company	CITYWIDE TITLE CORPORATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	957 ELM ST, NAPERVILLE, IL 60540-0345

Mortgage

Document Number	0000058138
Date	Sep 17, 2025
Instrument	R2025-058138

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Aug 1, 2055

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DU PAGE IL
Recording Date	Dec 13, 2022
Property Address	957 ELM ST, NAPERVILLE, IL 60540-0345
Document Number	0000107560
Map Reference	DOC R88-111152
Instrument Date	Nov 16, 2022
Instrument	R2022-107560
Transaction Type	Transfer
Record Updated	Dec 29, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$435.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	957 ELM ST, NAPERVILLE, IL 60540-0345

Mortgage

Document Number	0000107561
Date	Dec 13, 2022
Instrument	R2022-107561

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2052

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	Indian Prairie Community Unit School District 204 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,736.00 (+11.89%)	$190,083 (+29.84%) Land $62,185 Building $127,898	$570,249 (+29.84%) Land $186,555 Building $383,694
2022	$9,595.00 Homeowner's exemption	$146,400 Land $47,550 Building $98,850	$439,200 Land $142,650 Building $296,550

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

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	4 (1996–2017)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Oct 2017 · 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	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 433 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	1,000 / 75
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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