304 S 3rd St, Kirkland, IL 60146 Property Records

DeKalb County property record for 304 S 3rd St, Kirkland, IL 60146

Property Summary

Property Type	Single Family Home
Lot Size	0.143 acres (6,248 sqft)
Owner	Individual Name on File
Last Sale	$180,000 (Apr 2026)
Tax Bill	$3,234 (2024)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Jul 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-26-256-009`

Property Details

APN / Parcel Number

Primary APN	`01-26-256-009`

Exterior

Lot Area	6,248 sqft (0.143 acres)
Lot Dimensions	122 ft deep x 51 ft wide

Location & Zoning

Account Number	0126256009
Street Address	304 S 3RD ST
City	KIRKLAND
State	IL
Zip	60146-7713
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 - BLK 6 - ROWEN & GROUTS ADDITION
Legal Subdivision	ROWEN & GROUTS ADDITION
Legal Block	6
Legal Lot Number	6
Jurisdiction	DE KALB IL
Township / Civil Division	FRANKLIN
Census Block Group	2
Census Block	2050
Census Tract	200

Owner

304 S 3rd St is owned and occupied by an individual who bought it in April 2026.

Source: DeKalb County records, as of April 24, 2026

Owner of Record	Individual Name on File
Mailing Address	304 S 3RD ST, KIRKLAND, IL 60146-7713
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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
Apr 10, 2026	Warranty Deed, Transfer · Conventional Mortgage PNC BANK
Jul 13, 2023	Warranty Deed, Transfer · Conventional Mortgage NEXT DOOR LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 10, 2026 · Amount on File
Deed Sale	Apr 10, 2026 · Amount on File
Prior Sale	Jul 13, 2023 · Amount on File
Deed Document Number	20262956
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IL
Recording Date	Apr 10, 2026
Property Address	304 S 3RD ST, KIRKLAND, IL 60146-7713
Document Number	0000002956
Instrument Date	Mar 30, 2026
Instrument	20262956
Transaction Type	Transfer
Record Updated	Aug 24, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$27,270.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 S 3RD ST, KIRKLAND, IL 60146-7713

Mortgage

Document Number	0000002957,
Date	Apr 10, 2026
Instrument	20262957

Lender

Name	PNC BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.63%
Initial Type	Fixed Rate
Max Rate	-1%

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IL
Recording Date	Jul 13, 2023
Property Address	304 S 3RD ST, KIRKLAND, IL 60146-7713
Document Number	0000004631
Map Reference	DOC 15425
Instrument Date	Jun 30, 2023
Instrument	2023004631
Transaction Type	Transfer
Record Updated	Jul 25, 2023
Title Company	LIBERTY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$80.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	304 S 3RD ST, KIRKLAND, IL 60146-7713

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 S 3RD ST, KIRKLAND, IL 60146-7713

Mortgage

Document Number	0000004632
Date	Jul 13, 2023
Instrument	2023004632

Lender

Name	NEXT DOOR LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jul 1, 2043

Interest

Rate Type	Fixed Rate
Rate	6.49%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	DeKalb County
County Subdivision	Franklin Township
Municipality	Kirkland Village
Unified School District	Hiawatha Community Unit School District 426 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$43,330 Land $13,201 Building $30,129	$129,990 Land $39,603 Building $90,387
2024	$3,234.00
2023		$36,919 (+9.62%) Land $11,248 Building $25,671	$110,757 (+9.62%) Land $33,744 Building $77,013
2022		$33,680 Land $10,953 Building $22,727	$101,040 Land $32,859 Building $68,181

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 304 S 3rd St in Zone X, an area of minimal flood risk, though there have been 20 flood claims nearby since 1996.

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 Policies	9 in force
Nearby Flood Claims	20 (1996–2010)
Claims Outside the SFHA	5 of 20
Most Recent Claim	Jul 2010 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Jul 1996 · 16 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

Wildfire risk around 304 S 3rd St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	KIRKLAND serves 1,650 people · EPA ID IL0370300
Water Source	Groundwater
Last State Inspection	Sep 2023
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 301 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AirCell Fiber · Fixed Wireless	1,000 / 250
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: E-vergent.

Cell Coverage

5G (outdoors only) and 4G LTE

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