404 S 7th St, Dekalb, IL 60115 Property Records

DeKalb County property record for 404 S 7th St, Dekalb, IL 60115

Property Summary

Property Type	Single Family Home
Lot Size	0.258 acres (11,232 sqft)
Owner	2 Individual Names on File
Last Sale	$245,000 (Oct 2025)
Tax Bill	$4,262 (2024)
Deeds & Mortgages	May 2024 Mortgage Oct 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-23-380-001`

Property Details

APN / Parcel Number

Primary APN	`08-23-380-001`

Exterior

Lot Area	11,232 sqft (0.258 acres)
Lot Dimensions	156 ft deep x 72 ft wide

Location & Zoning

Account Number	0823380001
Street Address	404 S 7TH ST
City	DEKALB
State	IL
Zip	60115-3837
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 & N 6FT LOT 2 - BLK 59 - RUSSELL HUNTLEYS ADDITION
Legal Subdivision	RUSSELL HUNTLEYS ADDITION
Legal Block	59
Legal Lot Number	1,2
Jurisdiction	DE KALB IL
Township / Civil Division	DEKALB
Census Block Group	1
Census Block	1015
Census Tract	1500

Owner

404 S 7th St is owned and occupied by two individuals who bought it in October 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	404 S 7TH ST, DEKALB, IL 60115-3837
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
May 14, 2024	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF OMAHA
Oct 15, 2025	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Jul 1, 2022	Transfer on Death Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 2025 · Amount on File
Deed Sale	Oct 15, 2025 · Amount on File
Deed Document Number	20258189
Prior Transfer Date	Jun 24, 2022
Prior Transfer Doc	0000006333
Record Updated	Oct 29, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IL
Property Address	404 S 7TH ST, DEKALB, IL 60115-3837
Transaction Type	Mortgage
Record Updated	Nov 4, 2025
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE GUARANTY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 S 7TH ST, DEKALB, IL 60115-3837

Mortgage

Document Number	0000003208
Date	May 14, 2024
Instrument	2024003208

Lender

Name	FIRST NATIONAL BANK OF OMAHA
Type	Bank
Address	OMAHA, NE 68197

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2054

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IL
Recording Date	Oct 15, 2025
Property Address	404 S 7TH ST, DEKALB, IL 60115-3837
Document Number	0000008189
Map Reference	MB A PG 24
Instrument Date	Oct 7, 2025
Instrument	2025008189
Transaction Type	Transfer
Record Updated	Nov 4, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$245.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	404 S 7TH ST, DEKALB, IL 60115-3837

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	404 S 7TH ST, DEKALB, IL 60115-3837

Mortgage

Document Number	0000008190
Date	Oct 15, 2025
Instrument	2025008190

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Interest

Rate	6.5%

July 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	DE KALB IL
Recording Date	Jul 1, 2022
Property Address	404 S 7TH ST, DEKALB, IL 60115-3837
Document Number	0000006333
Map Reference	MB A PG 24
Instrument Date	Jun 24, 2022
Instrument	2022006333
Transaction Type	Transfer
Record Updated	Jul 14, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	404 S 7TH ST, DEKALB, IL 60115-3837

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		$75,773 (+9.51%) Land $12,144 Building $63,629	$227,319 (+9.51%) Land $36,432 Building $190,887
2024	$4,262.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$69,192 (+14.69%) Land $11,089 Building $58,103	$207,576 (+14.69%) Land $33,267 Building $174,309
2023		$60,330 Land $9,669 Building $50,661	$180,990 Land $29,007 Building $151,983

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 404 S 7th St in Zone X, an area of minimal flood risk.

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

The area around 404 S 7th St has no burnable land within ember reach, so its wildfire risk is not rated.

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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