DeKalb County property record for 403 Lucerne Ln, Dekalb, IL 60115
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,208 sqft · built 1954 |
| Lot Size | 0.58 acres (25,265 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $181,500 (May 2006) |
| Tax Bill | $5,583 (2024) |
| Deeds & Mortgages | Mar 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-26-353-021 |
| Primary APN | 08-26-353-021 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,208 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 25,265 sqft (0.58 acres) |
| Lot Dimensions | 135 ft deep x 175 ft wide |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 0826353021 |
|---|---|
| Street Address | 403 LUCERNE LN |
| City | DEKALB |
| State | IL |
| Zip | 60115-4736 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | POWERS SUB -LOTS 1 &2 |
| Legal Subdivision | POWERS SUB |
| Legal Lot Number | 1,2 |
| Jurisdiction | DE KALB IL |
| Township / Civil Division | DEKALB |
| Census Block Group | 2 |
| Census Block | 2038 |
| Census Tract | 1500 |
403 Lucerne Ln is owned and occupied by two individuals who bought it in May 2006.
Source: DeKalb County records, as of April 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 403 LUCERNE LN, DEKALB, IL 60115-4736 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 2, 2006 · Amount on File |
| Deed Sale | May 2, 2006 · Amount on File |
| Prior Sale | May 2, 2006 · Amount on File |
| Deed Document Number | 20067631 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DE KALB IL |
| Property Address | 403 LUCERNE LN, DEKALB, IL 60115-4736 |
| Document Number | 0000003837 |
| Instrument Date | Mar 29, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 31, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN EQUITY LOAN SVC |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 403 LUCERNE LN DEKALB IL 601154736, DEKALB, IL 60115-4736 |
| Document Number | 0000003837 |
|---|---|
| Date | May 10, 2019 |
| Instrument | 3837 |
| Name | FIRST MIDWEST BK |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60631-3655 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 9, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
Source: DeKalb County assessment roll, as of April 8, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $83,313 Land $23,813 Building $59,500 | $249,939 Land $71,439 Building $178,500 | |
| 2024 | $5,583.00 | ||
| 2023 | $66,334 Land $18,960 Building $47,374 | $199,002 Land $56,880 Building $142,122 |
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.
FEMA maps place 403 Lucerne Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1983.
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 | 1 (1983) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 1983 · rainfall accumulation |
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 risk around 403 Lucerne Ln 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 159 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 |
| Verizon Fixed Wireless | 300 / 20 |
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