1009 Oak St, Dekalb, IL 60115 Property Records

DeKalb County property record for 1009 Oak St, Dekalb, IL 60115

Property Summary

Property Type	Single Family Home
Lot Size	0.227 acres (9,900 sqft)
Owner	Individual Name on File
Last Sale	$142,000 (Jan 2021)
Tax Bill	$4,209 (2024)
Deeds & Mortgages	Jan 2021 Sale & Mortgage Feb 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`08-23-259-005`

Property Details

APN / Parcel Number

Primary APN	`08-23-259-005`

Exterior

Lot Area	9,900 sqft (0.227 acres)
Lot Dimensions	150 ft deep x 66 ft wide

Location & Zoning

Account Number	0823259005
Street Address	1009 OAK ST
City	DEKALB
State	IL
Zip	60115-3555
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GILSONS ADDITION - LOT 7 & W 6FT OF LOT 8 BLOCK 15
Legal Subdivision	GILSONS ADDITION
Legal Block	15
Legal Lot Number	7,8
Jurisdiction	DE KALB IL
Township / Civil Division	DEKALB
Census Block Group	3
Census Block	3023
Census Tract	800

Owner

1009 Oak St is owned and occupied by an individual who bought it in January 2021.

Source: DeKalb County records, as of April 28, 2026

Owner of Record	Individual Name on File
Mailing Address	1009 OAK ST, DEKALB, IL 60115-3555
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

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

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2021	Warranty Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Feb 20, 2019	Deed of Trust, Mortgage · Line of Credit FIRST NAT'L BK/OMAHA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 20, 2021 · Amount on File
Deed Sale	Jan 20, 2021 · Amount on File
Prior Sale	Jul 24, 2009 · Amount on File
Deed Document Number	2021865
Prior Transfer Date	Jul 14, 2009
Prior Transfer Doc	0000011112
Record Updated	Oct 29, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IL
Recording Date	Jan 20, 2021
Property Address	1009 OAK ST, DEKALB, IL 60115-3555
Document Number	0000000865
Map Reference	MB A PG 21
Instrument Date	Jan 8, 2021
Instrument	2021000865
Transaction Type	Transfer
Record Updated	Jun 14, 2021
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$213.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1009 OAK ST, DEKALB, IL 60115-3555

Mortgage

Document Number	0000000866
Date	Jan 20, 2021
Instrument	2021000866

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.75%

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IL
Property Address	1009 OAK ST, DEKALB, IL 60115-3555
Document Number	0000001449
Instrument Date	Feb 20, 2019
Transaction Type	Mortgage
Record Updated	Mar 21, 2019

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	803 S 2ND ST DEKALB IL 601154170, DEKALB, IL 60115-4170

Mortgage

Document Number	0000001449
Date	Mar 4, 2019
Instrument	1449

Lender

Name	FIRST NAT'L BK/OMAHA
Type	Bank
Address	DEKALB, IL 60115

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

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		$64,435 Land $10,260 Building $54,175	$193,305 Land $30,780 Building $162,525
2024	$4,209.00
2023		$51,303 Land $8,169 Building $43,134	$153,909 Land $24,507 Building $129,402

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

FEMA maps place 1009 Oak St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 2, 2009

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 1009 Oak St has no burnable land within ember reach, so its wildfire risk is not rated.

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 355 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Metronet Fiber	5,120 / 5,120
Xfinity Cable	1,200 / 35
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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