224 E Garden St, Dekalb, IL 60115 Property Records

DeKalb County property record for 224 E Garden St, Dekalb, IL 60115

Property Summary

Property Type	Single Family Home
Lot Size	0.58 acres (2,508 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (Sep 2026)
Tax Bill	$3,704 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Dec 2025 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-22-438-005`

Property Details

APN / Parcel Number

Primary APN	`08-22-438-005`

Exterior

Lot Area	2,508 sqft (0.58 acres)
Lot Dimensions	66 ft deep x 38 ft wide

Location & Zoning

Account Number	0822438005
Street Address	224 E GARDEN ST
City	DEKALB
State	IL
Zip	60115-3748
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 38FT E 124FT OF LOT 10 - BLK 7 - DEKALB (ORIGINAL TOWN)
Legal Subdivision	DEKALB (ORIGINAL TOWN)
Legal Block	7
Legal Lot Number	10
Jurisdiction	DE KALB IL
Township / Civil Division	DEKALB
Census Block Group	3
Census Block	3014
Census Tract	1300

Owner

Source: DeKalb County records, as of September 22, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	10 E BELL RD, 1054, PHOENIX, AZ 85022-6304
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2026	Warranty Deed, Transfer · FHA Mortgage NEIGHBORHOOD LOANS
Dec 29, 2025	Warranty Deed, Transfer OLD REPUBLIC TITLE
Oct 29, 2021	Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 3, 2026 · Amount on Record
Deed Sale	Sep 3, 2026 · Amount on Record
Prior Sale	Dec 29, 2025 · Amount on Record
Deed Document Number	20267963
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IL
Recording Date	Sep 3, 2026
Property Address	224 E GARDEN ST, DEKALB, IL 60115-3748
Document Number	0000007963
Instrument Date	Jul 23, 2026
Instrument	20267963
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$41,662.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	0000007964,
Date	Sep 3, 2026
Instrument	20267964

Lender

Name	NEIGHBORHOOD LOANS

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	299 Months
Due	Aug 1, 2051

Interest

Rate	6.75%
Max Rate	-1%

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IL
Recording Date	Dec 29, 2025
Property Address	224 E GARDEN ST, DEKALB, IL 60115-3748
Document Number	0000010369
Map Reference	MB A PG 8
Instrument Date	Oct 16, 2025
Instrument	2025010369
Transaction Type	Transfer
Record Updated	Jan 12, 2026
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Tax	$60.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	749 S 4TH ST, DEKALB, IL 60115-4803

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	DE KALB IL
Recording Date	Oct 29, 2021
Property Address	224 E GARDEN ST, DEKALB, IL 60115-3748
Document Number	0000014081
Map Reference	MB A PG 8-1/4
Instrument Date	Oct 22, 2021
Instrument	2021014081
Transaction Type	Transfer
Record Updated	Nov 12, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$78.75
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 E WASHINGTON ST, VILLA PARK, IL 60181-3019

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	$3,704.00 (+8.59%)	$46,897 (+9.51%) Land $6,403 Building $40,494	$140,691 (+9.51%) Land $19,209 Building $121,482
2024	$3,411.00	$42,824 (+14.69%) Land $5,847 Building $36,977	$128,472 (+14.69%) Land $17,541 Building $110,931
2023		$37,339 Land $5,098 Building $32,241	$112,017 Land $15,294 Building $96,723

Assessed value is set for property tax purposes, not a market price estimate; it is 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	18 (1978–2007)
Claims Outside the SFHA	2 of 18
Most Recent Claim	Aug 2007 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Aug 2007 · 12 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 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 505 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

May also be available: Verizon.

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