315 W Eisenhower St, Waterman, IL 60556 Property Records

DeKalb County property record for 315 W Eisenhower St, Waterman, IL 60556

Property Summary

Property Type	Single Family Home
Lot Size	0.269 acres (11,700 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,645 (2024)
Deeds & Mortgages	Feb 2024 Mortgage Feb 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`14-16-228-003`

Property Details

APN / Parcel Number

Primary APN	`14-16-228-003`

Exterior

Lot Area	11,700 sqft (0.269 acres)
Lot Dimensions	130 ft deep x 90 ft wide

Location & Zoning

Account Number	1416228003
Street Address	315 W EISENHOWER ST
City	WATERMAN
State	IL
Zip	60556-9818
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 16 - PETERSONS ADDITION
Legal Subdivision	PETERSONS ADDITION
Legal Lot Number	16
Jurisdiction	DE KALB IL
Township / Civil Division	CLINTON
Census Block Group	2
Census Block	2016
Census Tract	1800

Owner

315 W Eisenhower St is owned and occupied by two individuals who acquired it in February 2024.

Source: DeKalb County records, as of April 8, 2026

Owner of Record	2 Individual Names on File
Mailing Address	315 W EISENHOWER ST, WATERMAN, IL 60556-9818
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Feb 1, 2024	Intrafamily Transfer, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Feb 14, 2022	Deed of Trust, Mortgage · FHA Mortgage M & T BANK
Nov 17, 2020	Loan Modification, Mortgage · FHA Mortgage M&T BK
Jul 10, 2018	Warranty Deed, Transfer · FHA Mortgage FEDERAL HM LN MTG
Dec 19, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 1, 2024
Deed Sale	Feb 1, 2024
Prior Sale	Jul 10, 2018 · Amount on File
Deed Document Number	2024757
Prior Transfer Date	Jan 22, 2024
Prior Transfer Doc	0000000757
Record Updated	Sep 20, 2026

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DE KALB IL
Recording Date	Feb 1, 2024
Property Address	315 W EISENHOWER ST, WATERMAN, IL 60556-9818
Document Number	0000000757
Map Reference	DOC 340074
Instrument Date	Jan 22, 2024
Instrument	2024000757
Transaction Type	Transfer
Record Updated	Feb 19, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	315 W EISENHOWER ST, WATERMAN, IL 60556-9818

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	315 W EISENHOWER ST, WATERMAN, IL 60556-9818

Mortgage

Document Number	0000000758
Date	Feb 1, 2024
Instrument	2024000758

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2054

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IL
Property Address	315 W EISENHOWER ST, WATERMAN, IL 60556-9818
Transaction Type	Mortgage
Record Updated	Feb 28, 2022
Title Company	BESTON NATIONAL TITLE AGENCY LLC, BOSTON NATIONAL TTL AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001543
Date	Feb 14, 2022
Instrument	2022001543

Lender

Name	M & T BANK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2052

November 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	DE KALB IL
Property Address	315 W EISENHOWER ST, WATERMAN, IL 60556-9818
Document Number	0000014308
Instrument Date	Nov 17, 2020
Transaction Type	Mortgage
Record Updated	Jan 26, 2021
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 W EISENHOWER ST WATERMAN IL 605569818, WATERMAN, IL 60556-9818

Mortgage

Document Number	0000014308
Date	Dec 31, 2020
Instrument	14308

Lender

Name	M&T BK
Type	Bank
Address	GETZVILLE, NY 14068

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 30, 2050

Interest

Rate Type	Fixed Rate
Rate	3%

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IL
Recording Date	Jul 10, 2018
Property Address	315 W EISENHOWER ST, WATERMAN, IL 60556-9818
Document Number	0000006669
Instrument Date	Jun 29, 2018
Instrument	6669
Transaction Type	Transfer
Record Updated	Jan 26, 2021
Title Company	REAL ESTATE TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$79.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	905 BISHOP AVE AURORA IL 605065917, AURORA, IL 60506-5917

Mortgage

Document Number	6670
Date	Jul 10, 2018
Instrument	6670

Lender

Name	FEDERAL HM LN MTG
Type	Mortgage Company
Address	AURORA, IL 60506
Special Notes	Seller Financed

Agreement

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

Interest

Rate	5.62%

December 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	DE KALB IL
Recording Date	Dec 19, 2017
Property Address	315 W EISENHOWER ST, WATERMAN, IL 60556-9818
Document Number	0000012604
Instrument Date	Dec 12, 2017
Instrument	12604
Transaction Type	Foreclosure
Record Updated	Jan 17, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$48.40
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5000 PLANO PKWY CARROLLTON TX 750104900, CARROLLTON, TX 75010-4900
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	DeKalb County
County Subdivision	Clinton Township
Municipality	Waterman Village
Unified School District	Indian Creek Community Unit District 425 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$67,228 Land $14,036 Building $53,192	$201,684 Land $42,108 Building $159,576
2024	$4,645.00
2023		$55,051 (+5.08%) Land $11,494 Building $43,557	$165,153 (+5.08%) Land $34,482 Building $130,671
2022		$52,389 Land $10,938 Building $41,451	$157,167 Land $32,814 Building $124,353

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 315 W Eisenhower St in Zone X, an area of minimal flood risk.

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	1 in force

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 315 W Eisenhower 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	None beyond 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	WATERMAN serves 1,497 people · EPA ID IL0370600
Water Source	Groundwater
Last State Inspection	Jan 2026
Lead	9 ppb (2022–2024) 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 164 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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