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Single Family ResidenceResidential
$903,442$257 / 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 $310,000 on Sep 2, 1994

640 ROCK SPRING RD

NAPERVILLE, IL 60565
2.5
Baths
3,509 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.
0.27 ac
Lot SizeThe size of the land the home sits on, from county records.
1994
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$903K
$872K low$934K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$310,000 · Sep 2, 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.$326,642
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$261,314
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.64%
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.$326,800
ST PAUL FEDERAL · recorded Aug 4, 2000
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.$250,000
JPMORGAN CHASE BANK NA

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$15,629 (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.$242,539 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$57,627
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$184,912
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$214,257
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$727,617

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.39
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
5
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
71
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
74
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
45
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.17 in
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
CountyWILL
Lot (acres)The size of the land the home sits on, from county records.0.27
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

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.

E
Spring Brook Elementary SchoolA
Elementary · Grades KG–5 · 0.5 mi
M
Gregory Middle SchoolA
Middle · Grades 6–8 · 1.0 mi
H
Neuqua Valley High SchoolA+
High · Grades 9–12 · 1.9 mi

District: Indian Prairie Community Unit School District 204

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.Yes

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

640 Rock Spring Rd 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 more than 97% of homes in Will County
  • Costs more per square foot than 83% of homes in Will County
  • Bigger than 94% of homes in Will County
  • Newer than 88% 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
$226K$1.3M

This home is worth more than 91% 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$903,442
CheaperTypical $637,909Pricier

Pricier than 91% of homes nearby

Price per ft²$257
CheaperTypical $256Pricier

Pricier than 52% of homes nearby

Living area3,509 ft²
SmallerTypical 2,436 ft²Bigger

Bigger than 87% of homes nearby

Lot size0.27 ac
SmallerTypical 0.25 acBigger

Bigger than 61% of homes nearby

Year built1994
OlderTypical 1986Newer

Newer than 88% of homes nearby

How 640 Rock Spring Rd ranks against every home in each area.
MeasureThis homeNaperville 60565Will County
Estimated valuepricier than$903,44291% of homes97% of homes
Price per ft²pricier than$25752% of homes83% of homes
Living areabigger than3,509 ft²87% of homes94% of homes
Lot sizebigger than0.27 ac61% of homes61% of homes
Year builtnewer than199488% of homes51% of homes

About 640 Rock Spring Rd

How much is 640 Rock Spring Rd, Naperville, IL worth?

The TopHap Estimate for 640 Rock Spring Rd, Naperville, IL is $903,442 as of Jul 14, 2026. The likely range is $872,422 to $934,462. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 640 Rock Spring Rd, Naperville, IL last sell?

640 Rock Spring Rd, Naperville, IL last sold on Sep 2, 1994 for $310,000, according to the county's recorded deed.

How big is 640 Rock Spring Rd, Naperville, IL?

640 Rock Spring Rd, Naperville, IL has 2.5 bathrooms, 3,509 square feet of living space and a 0.27-acre lot.

When was 640 Rock Spring Rd, Naperville, IL built?

640 Rock Spring Rd, Naperville, IL was built in 1994, making it 32 years old. The building has 2 stories.

What schools serve 640 Rock Spring Rd, Naperville, IL?

640 Rock Spring Rd, Naperville, IL is assigned to Spring Brook Elementary School (elementary), rated A; Gregory Middle School (middle), rated A; Neuqua Valley High School (high), rated A+. All sit in Indian Prairie Community Unit School District 204. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 640 Rock Spring Rd, Naperville, IL compare to other homes in Naperville 60565?

Among the 13,201 homes in Naperville 60565, it is worth more than 91% of them ($903,442 against a typical $637,909), its price per square foot is higher than 52% of them ($257 against a typical $256), it is bigger than 87% of them (3,509 ft² against a typical 2,436 ft²), its lot is bigger than 61% of them (0.27 ac against a typical 0.25 ac) and it is newer than 88% of them (1994 against a typical 1986). Measured against all of Will County, it is worth more than 97% 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 640 Rock Spring Rd, Naperville, IL?

The 2025 property tax bill for 640 Rock Spring Rd, Naperville, IL was $15,629. The county assessed it at $242,539.

Closest homes

More homes in Naperville 60565

Assigned schools

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