132 N 3rd St, Dekalb, IL 60115 Property Records

DeKalb County property record for 132 N 3rd St, Dekalb, IL 60115

Property Summary

Property Type	Commercial
Lot Size	0.34 acres (1,471 sqft)
Owner	Individual Name on Record
Last Sale	$260,000 (Mar 2022)
Tax Bill	$4,798 (2024)
Deeds & Mortgages	May 2026 Mortgage Aug 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-23-160-003`

Property Details

APN / Parcel Number

Primary APN	`08-23-160-003`

Exterior

Lot Area	1,471 sqft (0.34 acres)
Lot Dimensions	66.5 ft deep x 22.1 ft wide

Location & Zoning

Account Number	0823160003
Street Address	132 N 3RD ST
City	DEKALB
State	IL
Zip	60115-3302
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	LOT 77 - BLK 14 - COUNTY CLERKS SUB
Legal Subdivision	COUNTY CLERKS SUB
Legal Block	14
Legal Lot Number	77
Jurisdiction	DE KALB IL
Township / Civil Division	DEKALB
Census Block Group	5
Census Block	5032
Census Tract	1300

Owner

Source: DeKalb County records, as of May 29, 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	132 N 3RD ST, DEKALB, IL 60115-3302
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
May 14, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICELINK
Aug 17, 2023	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Mar 24, 2022	Warranty Deed, Transfer · FHA Mortgage NATIONS RELIABLE LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 24, 2022 · Amount on Record
Deed Sale	Mar 24, 2022 · Amount on Record
Prior Sale	Jul 8, 2015 · Amount on Record
Deed Document Number	20223060
Prior Transfer Date	Feb 28, 2016
Prior Transfer Doc	0000005733
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IL
Recording Date	May 14, 2026
Property Address	132 N 3RD ST, DEKALB, IL 60115-3302
Document Number	0000003978
Instrument Date	Apr 23, 2026
Instrument	20263978
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	132 N 3RD ST, DEKALB, IL 60115-3302

Mortgage

Document Number	0000003978,
Date	May 14, 2026
Instrument	20263978

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	311 Months
Due	Apr 1, 2052

Interest

Rate	6.38%
Max Rate	-1%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IL
Property Address	132 N 3RD ST, DEKALB, IL 60115-3302
Transaction Type	Mortgage
Record Updated	Aug 30, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	132 N 3RD ST, DEKALB, IL 60115-3302

Mortgage

Document Number	0000005646
Date	Aug 17, 2023
Instrument	2023005646

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	IRVINE, CA 92602

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	344 Months
Due	Apr 1, 2052

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IL
Recording Date	Mar 24, 2022
Property Address	132 N 3RD ST, DEKALB, IL 60115-3302
Document Number	0000003060
Map Reference	MB C PG 42
Instrument Date	Mar 16, 2022
Instrument	2022003060
Transaction Type	Transfer
Record Updated	Apr 7, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$260.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	132 N 3RD ST, DEKALB, IL 60115-3302

Mortgage

Document Number	0000003061
Date	Mar 24, 2022
Instrument	2022003061

Lender

Name	NATIONS RELIABLE LENDING LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

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		$72,533 (+25.6%) Land $7,874 Building $64,659	$217,599 (+25.6%) Land $23,622 Building $193,977
2024	$4,798.00
2023		$57,750 Land $6,269 Building $51,481	$173,250 Land $18,807 Building $154,443

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 (1983)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 1983 · 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 428 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	2,000 / 250
AT&T Fixed Wireless	100 / 20

May also be available: DNA Communications, T-Mobile, Verizon.

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