1440 Clark St, Dekalb, IL 60115 Property Records

DeKalb County property record for 1440 Clark St, Dekalb, IL 60115

Property Summary

Property Type	Single Family Home
Lot Size	0.132 acres (5,761 sqft)
Owner	Individual Name on File
Last Sale	$116,000 (Jan 2022)
Tax Bill	$1,948 (2024)
Deeds & Mortgages	Jan 2022 Sale & Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-23-228-013`

Property Details

APN / Parcel Number

Primary APN	`08-23-228-013`

Exterior

Lot Area	5,761 sqft (0.132 acres)
Lot Dimensions	141 ft deep x 40.8 ft wide

Location & Zoning

Account Number	0823228013
Street Address	1440 CLARK ST
City	DEKALB
State	IL
Zip	60115-2624
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 - VANDEGRIFTS RESUB
Legal Subdivision	VANDEGRIFTS RESUB
Legal Block	2
Legal Lot Number	10
Jurisdiction	DE KALB IL
Township / Civil Division	DEKALB
Census Block Group	2
Census Block	2108
Census Tract	800

Owner

1440 Clark St is owned by an individual who bought it in January 2022.

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

Owner of Record	Individual Name on File
Mailing Address	564 E DOWNER PL, AURORA, IL 60505-4469
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 12, 2022	Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC
May 10, 2018	Warranty Deed, Transfer · FHA Mortgage RUOFF MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 12, 2022 · Amount on File
Deed Sale	Jan 12, 2022 · Amount on File
Prior Sale	May 10, 2018 · Amount on File
Deed Document Number	2022470
Prior Transfer Date	Jun 19, 2009
Prior Transfer Doc	0000012585
Record Updated	Oct 29, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IL
Recording Date	Jan 12, 2022
Property Address	1440 CLARK ST, DEKALB, IL 60115-2624
Document Number	0000000470
Map Reference	MB D PG 19
Instrument Date	Jul 28, 2021
Instrument	2022000470
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$116.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	564 EAST DOWNER PLACE, DEKALB, IL 60115

Mortgage

Document Number	0000000471
Date	Jan 12, 2022
Instrument	2022000471

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	355 Months
Due	Aug 1, 2051

Mortgage

Document Number	0000000472
Date	Jan 12, 2022
Instrument	2022000472

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IL
Recording Date	May 10, 2018
Property Address	1440 CLARK ST, DEKALB, IL 60115-2624
Document Number	0000004308
Instrument Date	Apr 18, 2018
Instrument	4308
Transaction Type	Transfer
Record Updated	Jun 4, 2018
Title Company	ALLIANCE TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$89.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1440 CLARK ST DEKALB IL 601152624, DEKALB, IL 60115-2624

Mortgage

Document Number	4309
Date	May 10, 2018
Instrument	4309

Lender

Name	RUOFF MTG
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 9, 2048

Interest

Rate Type	Fixed Rate
Rate	5.37%

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		$26,789 Land $7,027 Building $19,762	$80,367 Land $21,081 Building $59,286
2024	$1,948.00
2023		$21,330 Land $5,595 Building $15,735	$63,990 Land $16,785 Building $47,205

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 1440 Clark St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1980.

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	5 (1980–2011)
Claims Outside the SFHA	3 of 5
Most Recent Claim	May 2011 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Aug 1996 · 2 claims

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

The area around 1440 Clark 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 206 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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