425 Charles St, Sycamore, IL 60178 Property Records

DeKalb County property record for 425 Charles St, Sycamore, IL 60178

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 752 sqft · built 1900
Lot Size	0.272 acres (11,850 sqft)
Owner	Individual Name on File
Last Sale	$174,500 (Oct 2021)
Tax Bill	$4,579 (2024)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Sep 2018 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-32-378-021`

Property Details

APN / Parcel Number

Primary APN	`06-32-378-021`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	752 sqft Living Area
1st Floor Area	752 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	11,850 sqft (0.272 acres)
Lot Dimensions	158 ft deep x 75 ft wide
Porch	Slab
Deck Area	135 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	0632378021
Street Address	425 CHARLES ST
City	SYCAMORE
State	IL
Zip	60178-2101
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7 - BLK 1 - BOIES 2ND ADDITION
Legal Subdivision	BOIES 2ND ADDITION
Legal Block	1
Legal Lot Number	7
Jurisdiction	DE KALB IL
Township / Civil Division	SYCAMORE
Census Block Group	3
Census Block	3024
Census Tract	600

Owner

425 Charles St is owned and occupied by an individual who bought it in October 2021.

Source: DeKalb County records, as of April 28, 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	425 CHARLES ST, SYCAMORE, IL 60178-2101
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Person

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2021	Deed, Transfer · FHA Mortgage FLANAGAN STATE BANK
Sep 11, 2018	Warranty Deed, Transfer · Line of Credit OLD SECOND NAT'L BK
May 2, 2018	Warranty Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 14, 2021 · Amount on File
Deed Sale	Oct 14, 2021 · Amount on File
Prior Sale	Sep 11, 2018 · Amount on File
Deed Document Number	202113201
Record Updated	Oct 29, 2026

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	DE KALB IL
Recording Date	Oct 14, 2021
Property Address	425 CHARLES ST, SYCAMORE, IL 60178-2101
Document Number	0000013201
Map Reference	MB A PG 71
Instrument Date	Oct 6, 2021
Instrument	2021013201
Transaction Type	Transfer
Record Updated	Nov 5, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$261.75
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 CHARLES ST, SYCAMORE, IL 60178-2101

Mortgage

Document Number	0000013202
Date	Oct 14, 2021
Instrument	2021013202

Lender

Name	FLANAGAN STATE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.37%

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IL
Recording Date	Sep 11, 2018
Property Address	425 CHARLES ST, SYCAMORE, IL 60178-2101
Document Number	0000008646
Instrument Date	Sep 6, 2018
Instrument	8646
Transaction Type	Transfer
Record Updated	Sep 25, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$78.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5543 PRESERVE RD SHABBONA IL 605504006, SHABBONA, IL 60550-4006

Mortgage

Document Number	8649
Date	Sep 11, 2018
Instrument	8649

Lender

Name	OLD SECOND NAT'L BK
Type	Bank
Address	SYCAMORE, IL 60178

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 10, 2048

Interest

Rate Type	Adjustable Rate
Rate	5%

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IL
Recording Date	May 2, 2018
Property Address	425 CHARLES ST, SYCAMORE, IL 60178-2101
Document Number	0000004013
Instrument Date	Apr 30, 2018
Instrument	4013
Transaction Type	Transfer
Record Updated	May 22, 2018
Title Company	OTHER

Transaction

Amount	Amount on Record
Tax	$58.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	625 PARKSIDE DR SYCAMORE IL 601782318, SYCAMORE, IL 60178-2318

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		$64,962 Land $17,331 Building $47,631	$194,886 Land $51,993 Building $142,893
2024	$4,579.00
2023		$55,774 Land $14,880 Building $40,894	$167,322 Land $44,640 Building $122,682

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 425 Charles St in Zone X, an area of minimal flood risk, though there have been 2 flood claims 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
Nearby Flood Claims	2 (1983–1996)
Most Recent Claim	Jul 1996 · Severe Storms And Flooding

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

The area around 425 Charles 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	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.

Nearby Properties on Charles St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures