404 E Kelsey St, Malta, IL 60150 Property Records

DeKalb County property record for 404 E Kelsey St, Malta, IL 60150

Property Summary

Property Type	Single Family Home
Lot Size	0.238 acres (10,362 sqft)
Owner	2 Individual Names on Record
Last Sale	$205,000 (Jul 2023)
Tax Bill	$4,427 (2024)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-23-332-004`

Property Details

APN / Parcel Number

Primary APN	`07-23-332-004`

Exterior

Lot Area	10,362 sqft (0.238 acres)
Lot Dimensions	132 ft deep x 78.5 ft wide

Location & Zoning

Account Number	0723332004
Street Address	404 E KELSEY ST
City	MALTA
State	IL
Zip	60150-9798
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 1/2 LOTS 5 & 6 - BLK 20 - SPRAGUES ADDITION
Legal Subdivision	SPRAGUES ADDITION
Legal Block	20
Legal Lot Number	5,6
Jurisdiction	DE KALB IL
Township / Civil Division	MALTA
Census Block Group	2
Census Block	2084
Census Tract	300

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	2 Individual Names on Record
Mailing Address	553 N ELMWOOD DR, AURORA, IL 60506-2809
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2023	Warranty Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP
Apr 22, 2019	Warranty Deed, Transfer · Conventional with PMI HUNTINGTON NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2023 · Amount on Record
Deed Sale	Jul 7, 2023 · Amount on Record
Prior Sale	Apr 22, 2019 · Amount on Record
Deed Document Number	20234528
Record Updated	Jun 8, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IL
Recording Date	Jul 7, 2023
Property Address	404 E KELSEY ST, MALTA, IL 60150-9798
Document Number	0000004528
Map Reference	MB A PG 22
Instrument Date	Feb 7, 2023
Instrument	2023004528
Transaction Type	Transfer
Record Updated	Mar 31, 2026
Title Company	CITYWIDE TITLE CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$205.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 E KELSEY ST, MALTA, IL 60150-9798

Mortgage

Document Number	0000004529
Date	Jul 7, 2023
Instrument	2023004529

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Mar 1, 2053

Interest

Rate	6.49%

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IL
Recording Date	Apr 22, 2019
Property Address	404 E KELSEY ST, MALTA, IL 60150-9798
Document Number	0000002981
Instrument Date	Mar 27, 2019
Instrument	2981
Transaction Type	Transfer
Record Updated	May 3, 2019
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NAT'L TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$137.50
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 BULLARD ST CHICAGO IL 60615, CHICAGO, IL 60615

Mortgage

Document Number	2982
Date	Apr 22, 2019
Instrument	2982

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 21, 2049

Interest

Rate	4.37%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	DeKalb County
County Subdivision	Malta Township
Municipality	Malta Village
Unified School District	DeKalb Community Unit School District 428 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$69,658 (+27.77%) Land $11,834 Building $57,824	$208,974 (+27.77%) Land $35,502 Building $173,472
2024	$4,427.00
2023		$54,520 (+1%) Land $9,262 Building $45,258	$163,560 (+1%) Land $27,786 Building $135,774
2022		$49,564 Land $8,420 Building $41,144	$148,692 Land $25,260 Building $123,432

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	Low lower than 94% of the US · lower than 65% 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	MALTA serves 1,143 people · EPA ID IL0370350
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	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 96 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AirCell.

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