317 E Garden St, Dekalb, IL 60115 Property Records

DeKalb County property record for 317 E Garden St, Dekalb, IL 60115

Property Summary

Property Type	Single Family Home
Lot Size	0.17 acres (7,392 sqft)
Owner	Individual Name on Record
Last Sale	$169,000 (Jun 2020)
Tax Bill	$3,480 (2024)
Deeds & Mortgages	Jul 2022 Mortgage Jun 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-23-351-006`

Property Details

APN / Parcel Number

Primary APN	`08-23-351-006`

Exterior

Lot Area	7,392 sqft (0.17 acres)
Lot Dimensions	132 ft deep x 56 ft wide

Location & Zoning

Account Number	0823351006
Street Address	317 E GARDEN ST
City	DEKALB
State	IL
Zip	60115-3749
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DEKALB (ORIGINAL TOWN) - E 56FT OF LOTS 4 & 5 BLOCK 18
Legal Subdivision	DEKALB (ORIGINAL TOWN)
Legal Block	18
Legal Lot Number	4,5
Jurisdiction	DE KALB IL
Township / Civil Division	DEKALB
Census Block Group	3
Census Block	3009
Census Tract	1300

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	317 E GARDEN ST, DEKALB, IL 60115-3749
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2022	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Jun 25, 2020	Warranty Deed, Transfer FEDERAL SVGS BK
Sep 11, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 25, 2020 · Amount on Record
Deed Sale	Jun 25, 2020 · Amount on Record
Prior Sale	Sep 11, 2019 · Amount on Record
Deed Document Number	20205934
Prior Transfer Date	Dec 1, 2014
Prior Transfer Doc	0000011086
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IL
Property Address	317 E GARDEN ST, DEKALB, IL 60115-3749
Transaction Type	Mortgage
Record Updated	Jul 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	317 E GARDEN ST, DEKALB, IL 60115-3749

Mortgage

Document Number	0000006514
Date	Jul 8, 2022
Instrument	2022006514

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Jan 1, 2052

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IL
Recording Date	Jun 25, 2020
Property Address	317 E GARDEN ST, DEKALB, IL 60115-3749
Document Number	0000005934
Instrument Date	Jun 19, 2020
Instrument	5934
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$169.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	317 E GARDEN ST DEKALB IL 601153749, DEKALB, IL 60115-3749

Mortgage

Document Number	5935
Date	Jun 25, 2020
Instrument	5935

Lender

Name	FEDERAL SVGS BK
Type	Federal Savings Bank
Address	CHICAGO, IL 60607

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 24, 2050

Mortgage

Document Number	5936,
Date	Jun 25, 2020
Instrument	5936

Lender

Name	HOUSING & CMNTY DEV DEPT
Type	Construction/Development Company
Address	CHICAGO, IL 60601

Agreement

Amount	Amount Recorded

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IL
Recording Date	Sep 11, 2019
Property Address	317 E GARDEN ST, DEKALB, IL 60115-3749
Document Number	0000008314
Instrument Date	Sep 3, 2019
Instrument	8314
Transaction Type	Transfer
Record Updated	Oct 16, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$57.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	417 S 6TH ST DEKALB IL 601153826, DEKALB, IL 60115-3826

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		$54,418 (+25.6%) Land $9,839 Building $44,579	$163,254 (+25.6%) Land $29,517 Building $133,737
2024	$3,480.00
2023		$43,328 Land $7,834 Building $35,494	$129,984 Land $23,502 Building $106,482

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 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 428 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	2,000 / 250
AT&T Fixed Wireless	100 / 20

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

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