401 Forest Dr, Kirkland, IL 60146 Property Records

DeKalb County property record for 401 Forest Dr, Kirkland, IL 60146

Property Summary

Property Type	Single Family Home
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on File
Last Sale	$337,000 (Jun 2026)
Tax Bill	$7,127 (2024)
Deeds & Mortgages	Dec 2025 Line of Credit Jun 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-26-426-025`

Property Details

APN / Parcel Number

Primary APN	`01-26-426-025`

Exterior

Lot Area	13,939 sqft (0.32 acres)

Location & Zoning

Account Number	0126426025
Street Address	401 FOREST DR
City	KIRKLAND
State	IL
Zip	60146-8842
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 50 - COUNTRY MEADOWS - PHASE THREE
Legal Subdivision	COUNTRY MEADOWS - PHASE THREE
Legal Phase	3
Legal Lot Number	50
Jurisdiction	DE KALB IL
Township / Civil Division	FRANKLIN
Census Block Group	2
Census Block	2036
Census Tract	200

Owner

401 Forest Dr is owned and occupied by two individuals who bought it in June 2026.

Source: DeKalb County records, as of July 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	401 FOREST DR, KIRKLAND, IL 60146-8842
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Dec 15, 2025	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK WESTERN MICHIGAN
Jun 16, 2026	Warranty Deed, Transfer · Conventional Mortgage MLD MORTGAGE INC
Nov 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 2026 · Amount on File
Deed Sale	Jun 16, 2026 · Amount on File
Deed Document Number	20265094
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IL
Property Address	401 FOREST DR, KIRKLAND, IL 60146-8842
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 FOREST DR, KIRKLAND, IL 60146-8842

Mortgage

Document Number	0000009979
Date	Dec 15, 2025
Instrument	2025009979

Lender

Name	FIFTH THIRD BANK WESTERN MICHIGAN
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	179 Months
Due	Nov 16, 2040

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IL
Recording Date	Jun 16, 2026
Property Address	401 FOREST DR, KIRKLAND, IL 60146-8842
Document Number	0000005094
Instrument Date	May 18, 2026
Instrument	20265094
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	ATTORNEY'S TITLE, ATTORNEYS TITLE GUARANTY FUND

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$51,055.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	401 FOREST DR, KIRKLAND, IL 60146-8842

Mortgage

Document Number	0000005095,
Date	Jun 16, 2026
Instrument	20265095

Lender

Name	MLD MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.49%
Initial Type	Fixed Rate
Max Rate	-1%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IL
Property Address	401 FOREST DR, KIRKLAND, IL 60146-8842
Document Number	0000012924
Instrument Date	Nov 1, 2020
Transaction Type	Mortgage
Record Updated	Jan 21, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	401 FOREST DR KIRKLAND IL 601468842, KIRKLAND, IL 60146-8842

Mortgage

Document Number	0000012924
Date	Dec 4, 2020
Instrument	12924

Lender

Name	AMERISAVE MTG
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 3, 2035

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		$87,690 Land $17,777 Building $69,913	$263,070 Land $53,331 Building $209,739
2024	$7,127.00
2023		$74,716 Land $15,147 Building $59,569	$224,148 Land $45,441 Building $178,707

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 401 Forest Dr 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 401 Forest Dr 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 99.1% of the US · lower than 94% 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 162 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	1,000 / 50
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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