DuPage County property record for 977 Oswego Rd, Naperville, IL 60540
| Property Type | Duplex |
|---|---|
| Details | 2 bd · 1.5 ba · 1,180 sqft · built 1983 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $155,000 (Jul 2003) |
| Tax Bill | $6,136 (2025) |
| Deeds & Mortgages | Sep 2023 Transfer Feb 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-24-119-006 |
| Primary APN | 07-24-119-006 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,180 sqft Living Area |
| 1st Floor Area | 1,180 sqft |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Duplex Single |
| Construction Type | Frame |
| Lot Area | 4,792 sqft (0.11 acres) |
| Lot Dimensions | 12.5 ft deep x 3.8 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 977 OSWEGO RD |
|---|---|
| City | NAPERVILLE |
| State | IL |
| Zip | 60540-6264 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | R |
| Legal Description | DEVONSHIRE UNIT ONE ALL |
| Legal Subdivision | DEVONSHIRE UNIT ONE |
| Legal Lot Number | 6 |
| Legal Unit | 1 |
| Jurisdiction | DU PAGE IL |
| Township / Civil Division | NAPERVILLE |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 846521 |
977 Oswego Rd, a duplex, is owned and occupied by two individuals who acquired it in August 2023.
Source: DuPage County records, as of August 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2002 BLOSSOM LN, NAPERVILLE, IL 60540 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 1, 2023 | Transfer on Death Deed, Transfer |
| Feb 17, 2017 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 10, 2003 · Amount on File |
| Deed Sale | Jul 10, 2003 · Amount on File |
| Deed Document Number | 2003263390 |
| Last Transfer Date | Aug 31, 2023 |
| Transfer Doc | 0000056744 |
| Record Updated | Sep 20, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | DU PAGE IL |
| Recording Date | Sep 1, 2023 |
| Property Address | 977 OSWEGO RD, NAPERVILLE, IL 60540-6264 |
| Document Number | 0000056744 |
| Map Reference | DOC R82-29093 |
| Instrument Date | Aug 31, 2023 |
| Instrument | R2023-056744 |
| Transaction Type | Transfer |
| Record Updated | Sep 15, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 977 OSWEGO RD, NAPERVILLE, IL 60540-6264 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DU PAGE IL |
| Property Address | 977 OSWEGO RD, NAPERVILLE, IL 60540-6264 |
| Document Number | 0000019522 |
| Instrument Date | Feb 17, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 10, 2017 |
| Title Company | RAVENSWOOD TITLE |
| Name | Verified Name |
|---|---|
| Address | 977 OSWEGO RD NAPERVILLE IL 605406264, NAPERVILLE, IL 60540-6264 |
| Document Number | 0000019522 |
|---|---|
| Date | Feb 27, 2017 |
| Instrument | 19522 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Feb 26, 2032 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.62% |
The 2025 property tax bill for 977 Oswego Rd was $6,136 with a homeowner's exemption, up 5.1% from the year before.
Source: DuPage County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | DuPage County |
| County Subdivision | Naperville Township |
| Municipality | Naperville City |
| Unified School District | Naperville Community Unit District 203 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,136.00 (+5.05%) | $113,239 (+9.67%) Land $43,084 Building $70,155 | $339,717 (+9.67%) Land $129,252 Building $210,465 |
| 2024 | $5,841.00 | $103,254 Land $39,285 Building $63,969 | $309,762 Land $117,855 Building $191,907 |
| 2022 | $5,523.00 Homeowner's exemption | $91,480 Land $34,570 Building $56,910 | $274,440 Land $103,710 Building $170,730 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 977 Oswego Rd in Zone X, an area of minimal flood risk.
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 5 (25% premium discount) |
| Nearby Flood Policies | 1 in force |
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 risk around 977 Oswego Rd 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 329 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 |
| AT&T DSL | 100 / 20 |
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