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Single Family ResidenceResidential
$397,992$302 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 97How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $141,000 on Apr 13, 1994

1398 RIVER OAK DR

NAPERVILLE, IL 60565
1.5
Baths
1,320 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.2 ac
Lot SizeThe size of the land the home sits on, from county records.
1984
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$398K
$385K low$411K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$141,000 · Apr 13, 1994
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$127,992
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$102,394
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.67%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$145,000
FIRST HOME MORTGAGE · recorded Jan 9, 2003
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$125,000
JPMORGAN CHASE BANK NA

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,952 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$127,121 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$61,884
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$65,237
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$117,130
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$381,363

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.12 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyDUPAGE
Lot (acres)The size of the land the home sits on, from county records.0.20
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Madison Junior High SchoolB+
Middle · Grades 6–8 · 0.3 mi
E
Meadow Glens Elementary SchoolA+
Elementary · Grades KG–5 · 0.9 mi
H
Naperville Central High SchoolA+
High · Grades 9–12 · 3.6 mi

District: Naperville Community Unit District 203

Neighborhood · ZIP 60565These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.25
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.104
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.56

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.97%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.40%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.0%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.5%
PopulationHow many people live in this area.38,555
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.3,445 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$151,582
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$178,271
Average tempThe average temperature here across a full year.49°F
Annual precipHow much rain and melted snow falls here in a typical year.38 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.54%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

1398 River Oak Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 88% of homes in Naperville 60565
  • Costs more per square foot than 89% of homes in Naperville 60565
  • Smaller than 88% of homes in Naperville 60565
  • Has a smaller lot than 80% of homes in Naperville 60565

What homes are worth in Naperville 60565

Each bar is how many homes fall in that price range. The marker is this home.

This home
$221K$1.3M

This home is worth more than 12% of homes in Naperville 60565.

How it measures up in Naperville 60565

The dot is this home. The mark in the middle is the typical home in Naperville 60565.

Estimated value$397,992
CheaperTypical $638,526Pricier

Pricier than 12% of homes nearby

Price per ft²$302
CheaperTypical $256Pricier

Pricier than 89% of homes nearby

Living area1,320 ft²
SmallerTypical 2,429 ft²Bigger

Bigger than 12% of homes nearby

Lot size0.2 ac
SmallerTypical 0.25 acBigger

Bigger than 20% of homes nearby

Year built1984
OlderTypical 1986Newer

Newer than 37% of homes nearby

How 1398 River Oak Dr ranks against every home in each area.
MeasureThis homeNaperville 60565DuPage County
Estimated valuepricier than$397,99212% of homes39% of homes
Price per ft²pricier than$30289% of homes78% of homes
Living areabigger than1,320 ft²12% of homes25% of homes
Lot sizebigger than0.2 ac20% of homes36% of homes
Year builtnewer than198437% of homes63% of homes

About 1398 River Oak Dr

How much is 1398 River Oak Dr, Naperville, IL worth?

The TopHap Estimate for 1398 River Oak Dr, Naperville, IL is $397,992 as of Jul 14, 2026. The likely range is $384,841 to $411,143. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1398 River Oak Dr, Naperville, IL last sell?

1398 River Oak Dr, Naperville, IL last sold on Apr 13, 1994 for $141,000, according to the county's recorded deed.

How big is 1398 River Oak Dr, Naperville, IL?

1398 River Oak Dr, Naperville, IL has 1.5 bathrooms, 1,320 square feet of living space and a 0.20-acre lot.

When was 1398 River Oak Dr, Naperville, IL built?

1398 River Oak Dr, Naperville, IL was built in 1984, making it 42 years old. The building has 2 stories.

What schools serve 1398 River Oak Dr, Naperville, IL?

1398 River Oak Dr, Naperville, IL is assigned to Madison Junior High School (middle), rated B+; Meadow Glens Elementary School (elementary), rated A+; Naperville Central High School (high), rated A+. All sit in Naperville Community Unit District 203. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1398 River Oak Dr, Naperville, IL compare to other homes in Naperville 60565?

Among the 13,201 homes in Naperville 60565, it is worth more than 12% of them ($397,992 against a typical $638,526), its price per square foot is higher than 89% of them ($302 against a typical $256), it is bigger than 12% of them (1,320 ft² against a typical 2,429 ft²), its lot is bigger than 20% of them (0.2 ac against a typical 0.25 ac) and it is newer than 37% of them (1984 against a typical 1986). Measured against all of DuPage County, it is worth more than 39% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 1398 River Oak Dr, Naperville, IL?

The 2025 property tax bill for 1398 River Oak Dr, Naperville, IL was $6,952. The county assessed it at $127,121.

Closest homes

More homes in Naperville 60565

Assigned schools

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