404 Charles St, Sycamore, IL 60178 Property Records

DeKalb County property record for 404 Charles St, Sycamore, IL 60178

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 498 sqft · built 1900
Lot Size	0.125 acres (5,445 sqft)
Owner	Individual Name on File
Last Sale	$99,000 (Dec 2018)
Tax Bill	$3,276 (2021)
Deeds & Mortgages	Dec 2025 Mortgage May 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-32-381-013`

Property Details

APN / Parcel Number

Primary APN	`06-32-381-013`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	498 sqft Living Area
Gross Area	816 sqft
1st Floor Area	498 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Construction Type	Frame
Foundation Type	Retaining Wall
Roof Material	Asphalt
Lot Area	5,445 sqft (0.125 acres)
Lot Dimensions	75 ft deep x 72.6 ft wide
Garage Type	Attached
Garage Area	228 sqft
Porch	Enclosed Frame Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Account Number	0632381013
Street Address	404 CHARLES ST
City	SYCAMORE
State	IL
Zip	60178-2102
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BOIES 2ND ADDITION - E1/2 OF LOT 1 BLOCK 3
Legal Subdivision	BOIES 2ND ADDITION
Legal Block	3
Legal Lot Number	1
Jurisdiction	DE KALB IL
Township / Civil Division	SYCAMORE
Census Block Group	3
Census Block	3012
Census Tract	700

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	404 CHARLES ST, SYCAMORE, IL 60178-2102
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2025	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
May 8, 2023	Deed of Trust, Mortgage · VA Mortgage NATIONSTAR MORTGAGE LLC
Apr 29, 2022	Deed of Trust, Mortgage · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Apr 10, 2020	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW CMNTY CAP LLC
Dec 13, 2018	Warranty Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 13, 2018 · Amount on File
Deed Sale	Dec 13, 2018 · Amount on File
Prior Sale	Sep 11, 2014
Deed Document Number	201811336
Prior Transfer Date	Jul 14, 2008
Prior Transfer Doc	0000013541
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IL
Property Address	404 CHARLES ST, SYCAMORE, IL 60178-2102
Transaction Type	Mortgage
Record Updated	Jan 12, 2026
Title Company	UNKNOWN, AMERICAS SETTLEMENT COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 CHARLES ST, SYCAMORE, IL 60178-2102

Mortgage

Document Number	0000010367
Date	Dec 29, 2025
Instrument	2025010367

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	WEST PALM BEACH, FL 33401

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2055

Interest

Rate	6.99%

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IL
Property Address	404 CHARLES ST, SYCAMORE, IL 60178-2102
Transaction Type	Mortgage
Record Updated	May 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 CHARLES ST, SYCAMORE, IL 60178-2102

Mortgage

Document Number	0000003095
Date	May 8, 2023
Instrument	2023003095

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2053

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IL
Property Address	404 CHARLES ST, SYCAMORE, IL 60178-2102
Transaction Type	Mortgage
Record Updated	May 12, 2022
Title Company	PRO TITLE GROUP INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004282
Date	Apr 29, 2022
Instrument	2022004282

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IL
Property Address	404 CHARLES ST, SYCAMORE, IL 60178-2102
Document Number	0000005478
Instrument Date	Apr 10, 2020
Transaction Type	Mortgage
Record Updated	Jun 26, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 CHARLES ST SYCAMORE IL 601782102, SYCAMORE, IL 60178-2102

Mortgage

Document Number	0000005478
Date	Jun 16, 2020
Instrument	5478

Lender

Name	LAKEVIEW CMNTY CAP LLC
Address	HORSHAM, PA 19044

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 15, 2050

Interest

Rate Type	Fixed Rate
Rate	3.25%

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IL
Recording Date	Dec 13, 2018
Property Address	404 CHARLES ST, SYCAMORE, IL 60178-2102
Document Number	0000011336
Book / Page	000003
Instrument Date	Nov 21, 2018
Instrument	11336
Transaction Type	Transfer
Record Updated	Jan 15, 2019
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$99.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	333 N CRYSTAL ST ELGIN IL 601233529, ELGIN, IL 60123-3529

Mortgage

Document Number	11337
Date	Dec 13, 2018
Instrument	11337

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 12, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	DeKalb County
County Subdivision	Sycamore Township
Municipality	Sycamore City
Unified School District	Sycamore Community Unit School District 427 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$54,050 (+16.47%) Land $11,957 Building $42,093	$162,150 (+16.47%) Land $35,871 Building $126,279
2023		$46,405 Land $10,266 Building $36,139	$139,215 Land $30,798 Building $108,417
2021	$3,276.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	SYCAMORE serves 18,500 people · EPA ID IL0370550
Water Source	Groundwater
Last State Inspection	Nov 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	3 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 439 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

May also be available: DNA Communications, Verizon.

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