1003 Prospect St, Dekalb, IL 60115 Property Records

DeKalb County property record for 1003 Prospect St, Dekalb, IL 60115

Property Summary

Property Type	Single Family Home
Lot Size	0.215 acres (9,360 sqft)
Owner	Individual Name on Record
Last Sale	$285,000 (Sep 2026)
Tax Bill	$7,771 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Oct 2021 Sale & Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`08-23-452-006`

Property Details

APN / Parcel Number

Primary APN	`08-23-452-006`

Exterior

Lot Area	9,360 sqft (0.215 acres)
Lot Dimensions	156 ft deep x 60 ft wide

Location & Zoning

Account Number	0823452006
Street Address	1003 PROSPECT ST
City	DEKALB
State	IL
Zip	60115-4270
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 - BLK 7 - H D HUNTS ADDITION
Legal Subdivision	H D HUNTS ADDITION
Legal Block	7
Legal Lot Number	6
Jurisdiction	DE KALB IL
Township / Civil Division	DEKALB
Census Block Group	3
Census Block	3021
Census Tract	1500

Owner

Source: DeKalb County records, as of October 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1003 PROSPECT ST, DEKALB, IL 60115-4270
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2026	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE
Oct 6, 2021	Warranty Deed, Transfer · Line of Credit HEARTLAND BANK & TRUST CO
Feb 2, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Feb 2, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 29, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 24, 2026 · Amount on Record
Deed Sale	Sep 24, 2026 · Amount on Record
Prior Sale	Oct 6, 2021 · Amount on Record
Deed Document Number	20268534
Prior Transfer Date	Jan 17, 2017
Prior Transfer Doc	0000000902
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IL
Recording Date	Sep 24, 2026
Property Address	1003 PROSPECT ST, DEKALB, IL 60115-4270
Document Number	0000008534
Instrument Date	Aug 3, 2026
Instrument	20268534
Transaction Type	Transfer
Record Updated	Oct 9, 2026
Title Company	CITYWIDE TITLE CORPORATION, CITYWIDE TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$43,177.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1003 PROSPECT ST, DEKALB, IL 60115-4270

Mortgage

Document Number	0000008535,
Date	Sep 24, 2026
Instrument	20268535

Lender

Name	GUARANTEED RATE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

Mortgage

Document Number	0000008536,
Date	Sep 24, 2026
Instrument	20268536

Lender

Name	ILLINOIS HOUSING DEV AUTHORITY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IL
Recording Date	Oct 6, 2021
Property Address	1003 PROSPECT ST, DEKALB, IL 60115-4270
Document Number	0000013054
Map Reference	MB B PG 103
Instrument Date	Sep 30, 2021
Instrument	2021013054
Transaction Type	Transfer
Record Updated	Nov 5, 2021
Title Company	CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$285.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3303 TAMAIRA ST, PLANO, IL 60545-2083

Mortgage

Document Number	0000013055
Date	Oct 6, 2021
Instrument	2021013055

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Sep 30, 2026

Interest

Rate	25%

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DE KALB IL
Recording Date	Feb 2, 2017
Property Address	1003 PROSPECT ST, DEKALB, IL 60115-4270
Document Number	0000000903
Instrument Date	Jan 23, 2017
Instrument	903
Transaction Type	Transfer
Record Updated	Apr 3, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	327 S 1ST ST DEKALB IL 601153646, DEKALB, IL 60115-3646

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DE KALB IL
Recording Date	Feb 2, 2017
Property Address	1003 PROSPECT ST, DEKALB, IL 60115-4270
Document Number	0000000902
Instrument Date	Jan 17, 2017
Instrument	902
Transaction Type	Transfer
Record Updated	Apr 3, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	433 PORTER RD LONOKE AR 720863623, LONOKE, AR 72086-3623

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DE KALB IL
Recording Date	Jun 29, 2018
Property Address	1003 PROSPECT ST, DEKALB, IL 60115-4270
Document Number	0000006393
Instrument Date	Jan 17, 2017
Instrument	6393
Transaction Type	Transfer
Record Updated	Jul 16, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	433 PORTER RD LONOKE AR 720863623, LONOKE, AR 72086-3623

Tax Assessment & Valuation

Source: DeKalb County assessment roll, as of April 8, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	DeKalb County
County Subdivision	DeKalb Township
Municipality	DeKalb City
Unified School District	DeKalb Community Unit School District 428 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,771.00 (+8.58%)	$98,382 (+25.6%) Land $10,539 Building $87,843	$295,146 (+25.6%) Land $31,617 Building $263,529
2024	$7,157.00
2023		$78,332 Land $8,391 Building $69,941	$234,996 Land $25,173 Building $209,823

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 January 2, 2009 · 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
Nearby Flood Claims	1 (1979)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 1979 · tidal / storm surge

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	DEKALB serves 40,290 people · EPA ID IL0370100
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	13 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	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 593 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Frontier, Metronet, Verizon.

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