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2045 Somerset Ln, Sycamore, IL 60178 Property Records

DeKalb County property record for 2045 Somerset Ln, Sycamore, IL 60178

Property Summary

Property TypeSingle Family Home
Details1 bd · 2 ba · 1,675 sqft · built 2018
Lot Size0.056 acres (2,438 sqft)
Owner2 Individual Names on Record
Last Sale$259,500 (Aug 2018)
Tax Bill$8,272 (2024)
Deeds & MortgagesMay 2026 Line of Credit
Mar 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN09-08-101-085

Property Details

APN / Parcel Number

Primary APN09-08-101-085

Interior

Bedrooms1 Bed
Full Baths2 Baths
Total Rooms1 Room
Building Area1,675 sqft Building Perimeter
1st Floor Area1,675 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2018
Effective Year BuiltEffective 2018
Construction TypeFrame
Lot Area2,438 sqft (0.056 acres)
Garage TypeAttached
Garage Area546 sqft
PorchSlab
Patio Area140 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Account Number0908101085
Street Address2045 SOMERSET LN
CitySYCAMORE
StateIL
Zip60178-3054
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionUNIT 2045 - SOMERSET FARM PUD - BLDG 201
Legal SubdivisionSOMERSET FARM PUD
Legal Unit2045
JurisdictionDE KALB IL
Township / Civil DivisionCORTLAND
Census Block Group2
Census Block2000
Census Tract800

Owner

Source: DeKalb County records, as of August 12, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address2045 SOMERSET LN, SYCAMORE, IL 60178-3054
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
May 22, 2026Deed of Trust, Mortgage · Line of Credit
THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION
Mar 24, 2020Deed of Trust, Mortgage
US BK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 6, 2018 · Amount on Record
Deed SaleAug 6, 2018 · Amount on Record
Deed Document Number20187575
Record UpdatedSep 20, 2026

May 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionDE KALB IL
Recording DateMay 22, 2026
Property Address2045 SOMERSET LN, SYCAMORE, IL 60178-3054
Document Number0000004296
Instrument DateMay 11, 2026
Instrument20264296
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyCORPORATE SETTLEMENT SOLUTIONS, CORPORATE SETTLEMENT SOLUTIO

Transferred To (Grantee/Buyer)

NameVerified Name
InvestorPossibly a Property Investor

Mortgage

Document Number0000004296,
DateMay 22, 2026
Instrument20264296
Lender
NameTHIRD FEDERAL SAVINGS AND LOANS ASSOCIATION
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueMay 11, 2056
Interest
Rate6.24%
Max Rate-1%

March 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionDE KALB IL
Property Address2045 SOMERSET LN, SYCAMORE, IL 60178-3054
Document Number0000003552
Instrument DateMar 24, 2020
Transaction TypeMortgage
Record UpdatedMay 20, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address204 S SOMERSET LN SYCAMORE IL 60178, SYCAMORE, IL 60178

Mortgage

Document Number0000003552
DateApr 24, 2020
Instrument3552
Lender
NameUS BK
TypeBank
AddressOWENSBORO, KY 42301
Agreement
AmountAmount Recorded
Term240 Months
DueApr 23, 2040
Interest
Rate3.37%

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateIllinois
CountyDeKalb County
County SubdivisionCortland Township
MunicipalitySycamore City
Unified School DistrictSycamore Community Unit School District 427 (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$119,043 (+35.25%) Land $6,341 Building $112,702$357,129 (+35.25%) Land $19,023 Building $338,106
2024$8,272.00
2023$88,017 Land $5,577 Building $82,440$264,051 Land $16,731 Building $247,320

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies3 in force
Nearby Flood Claims5 (1980–2011)
Claims Outside the SFHA3 of 5
Most Recent ClaimMay 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot 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 SystemSYCAMORE
serves 18,500 people · EPA ID IL0370550
Water SourceGroundwater
Last State InspectionNov 2023
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting3
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 47 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Frontier
Fiber		7,000 / 7,000
Metronet
Fiber		5,120 / 5,120
Xfinity
Cable		1,200 / 35

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

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