140 E Dekalb St, Somonauk, IL 60552 Property Records

DeKalb County property record for 140 E Dekalb St, Somonauk, IL 60552

Property Summary

Property Type	Commercial
Details	4 bd
Lot Size	0.363 acres (1,838 sqft)
Owner	Individual Name on File
Last Sale	$164,000 (Feb 2018)
Tax Bill	$6,944 (2024)
Deeds & Mortgages	Sep 2026 Mortgage Aug 2021 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-32-481-018`

Property Details

APN / Parcel Number

Primary APN	`18-32-481-018`

Interior

Bedrooms	4 Beds
Total Rooms	8 Rooms
Stories	2 Stories

Exterior

Architectural Style	Traditional
Lot Area	1,838 sqft (0.363 acres)
Lot Dimensions	46 ft deep x 40 ft wide
Garage Type	Detached

Utilities, Heating & Cooling

Cooling System	Central
Water Source	Commercial

Location & Zoning

Account Number	1832481018
Street Address	140 E DEKALB ST
City	SOMONAUK
State	IL
Zip	60552-9115
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	SOMONAUK ORIGINAL TOWN - LOT 3 (EX N 49.5FT, E 82.5FT) & LOT 4 (EX PAR 40X46) - BLOCK 7
Legal Subdivision	SOMONAUK ORIGINAL TOWN
Legal Block	7
Legal Lot Number	3,4
Jurisdiction	DE KALB IL
Township / Civil Division	SOMONAUK
Census Block Group	2
Census Block	2036
Census Tract	1900

Owner

140 E Dekalb St, a commercial property, is owned by an individual who bought it in February 2018.

Source: DeKalb County records, as of October 16, 2026

Owner of Record	Individual Name on File
Mailing Address	87 OAK AVE, SANDWICH, IL 60548-9534
Owner Type	Individual

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
Sep 29, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICELINK
Aug 17, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Feb 13, 2018	Warranty Deed, Transfer · FHA Mortgage MORTGAGE SVCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 13, 2018 · Amount on File
Deed Sale	Feb 13, 2018 · Amount on File
Deed Document Number	20181291
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IL
Recording Date	Sep 29, 2026
Property Address	140 E DEKALB ST, SOMONAUK, IL 60552-9115
Document Number	0000008651
Instrument Date	Aug 13, 2026
Instrument	20268651
Transaction Type	Mortgage
Record Updated	Oct 16, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	140 E DEKALB ST, SOMONAUK, IL 60552-9115

Mortgage

Document Number	0000008651,
Date	Sep 29, 2026
Instrument	20268651

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	257 Months
Due	Feb 1, 2048

Interest

Max Rate	-1%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IL
Property Address	140 E DEKALB ST, SOMONAUK, IL 60552-9115
Transaction Type	Mortgage
Record Updated	Aug 30, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	140 EAST DEKALD STREET, SOMONAUK, IL 60552-9115

Mortgage

Document Number	0000010761
Date	Aug 17, 2021
Instrument	2021010761

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	318 Months
Due	Feb 1, 2048

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IL
Recording Date	Feb 13, 2018
Property Address	140 E DEKALB ST, SOMONAUK, IL 60552-9115
Document Number	0000001291
Instrument Date	Jan 16, 2018
Instrument	1291
Transaction Type	Transfer
Record Updated	Aug 31, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$164.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	87 OAK AVE SANDWICH IL 605489534, SANDWICH, IL 60548-9534

Mortgage

Document Number	1292
Date	Feb 13, 2018
Instrument	1292

Lender

Name	MORTGAGE SVCS
Type	Mortgage Company
Address	BLOOMINGTON, IL 61704

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 12, 2048

Interest

Rate Type	Fixed Rate
Rate	4.25%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	DeKalb County
County Subdivision	Somonauk Township
Municipality	Somonauk Village
Unified School District	Somonauk Community Unit School District 432 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$93,088 Land $26,875 Building $66,213	$279,264 Land $80,625 Building $198,639
2024	$6,944.00
2023		$76,660 Land $22,132 Building $54,528	$229,980 Land $66,396 Building $163,584

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 140 E Dekalb 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 140 E Dekalb 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	SOMONAUK serves 1,860 people · EPA ID IL0374870
Water Source	Groundwater
Last State Inspection	Dec 2025
Also Mapped Here	IL AMERICAN-LAKE HOLIDAY
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 326 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20

May also be available: Xfinity.

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