420 N Pine St, Waterman, IL 60556 Property Records

DeKalb County property record for 420 N Pine St, Waterman, IL 60556

Property Summary

Property Type	Single Family Home
Lot Size	0.36 acres (15,668 sqft)
Owner	2 Individual Names on File
Last Sale	$165,000 (Sep 2021)
Tax Bill	$3,526 (2024)
Deeds & Mortgages	Aug 2022 Line of Credit Dec 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-16-229-001`

Property Details

APN / Parcel Number

Primary APN	`14-16-229-001`

Exterior

Lot Area	15,668 sqft (0.36 acres)
Lot Dimensions	128 ft deep x 122 ft wide

Location & Zoning

Account Number	1416229001
Street Address	420 N PINE ST
City	WATERMAN
State	IL
Zip	60556-9774
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 24 - PETERSONS ADDITION
Legal Subdivision	PETERSONS ADDITION
Legal Lot Number	24
Jurisdiction	DE KALB IL
Township / Civil Division	CLINTON
Census Block Group	2
Census Block	2015
Census Tract	1800

Owner

420 N Pine St is owned and occupied by two individuals who bought it in September 2021.

Source: DeKalb County records, as of October 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	420 N PINE ST, WATERMAN, IL 60556-9774
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
Aug 30, 2022	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Dec 14, 2021	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Sep 17, 2021	Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Mar 21, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2021 · Amount on File
Deed Sale	Sep 17, 2021 · Amount on File
Deed Document Number	202112101
Prior Transfer Date	Mar 15, 2019
Prior Transfer Doc	0000002037
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IL
Property Address	420 N PINE ST, WATERMAN, IL 60556-9774
Transaction Type	Mortgage
Record Updated	Sep 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	420 N PINE ST, WATERMAN, IL 60556-9774

Mortgage

Document Number	0000008473
Date	Aug 30, 2022
Instrument	2022008473

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 9, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IL
Property Address	420 N PINE ST, WATERMAN, IL 60556-9774
Transaction Type	Mortgage
Record Updated	Dec 24, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	420 N PINE ST, WATERMAN, IL 60556-9774

Mortgage

Document Number	0000016152
Date	Dec 14, 2021
Instrument	2021016152

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 30, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IL
Recording Date	Sep 17, 2021
Property Address	420 N PINE ST, WATERMAN, IL 60556-9774
Document Number	0000012101
Map Reference	DOC 340074
Instrument Date	Sep 14, 2021
Instrument	2021012101
Transaction Type	Transfer
Record Updated	Sep 29, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$247.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	402 N PINE ST, WATERMAN, IL 60556-9774

Mortgage

Document Number	0000012102
Date	Sep 17, 2021
Instrument	2021012102

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DE KALB IL
Recording Date	Mar 21, 2019
Property Address	420 N PINE ST, WATERMAN, IL 60556-9774
Document Number	0000002037
Instrument Date	Mar 15, 2019
Instrument	2037
Transaction Type	Transfer
Record Updated	Apr 3, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	420 N PINE ST WATERMAN IL 605569774, WATERMAN, IL 60556-9774

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	DeKalb County
County Subdivision	Clinton Township
Municipality	Waterman Village
Unified School District	Indian Creek Community Unit District 425 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$75,634 Land $18,735 Building $56,899	$226,902 Land $56,205 Building $170,697
2024	$3,526.00
2023		$61,934 Land $15,342 Building $46,592	$185,802 Land $46,026 Building $139,776

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 420 N Pine St in Zone X, an area of minimal flood risk.

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	1 in force

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 420 N Pine St 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 98% of the US · lower than 86% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WATERMAN serves 1,497 people · EPA ID IL0370600
Water Source	Groundwater
Last State Inspection	Jan 2026
Lead	9 ppb (2022–2024) 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 164 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

May also be available: T-Mobile.

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