446 Somonauk St, Sycamore, IL 60178 Property Records

DeKalb County property record for 446 Somonauk St, Sycamore, IL 60178

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 980 sqft · built 1920
Lot Size	0.298 acres (13,000 sqft)
Owner	2 Individual Names on File
Last Sale	$406,000 (Jul 2025)
Tax Bill	$6,500 (2024)
Deeds & Mortgages	Apr 2024 Mortgage May 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-32-411-008`

Property Details

APN / Parcel Number

Primary APN	`06-32-411-008`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	980 sqft Living Area
Gross Area	1,235 sqft
1st Floor Area	980 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Retaining Wall
Roof Material	Asphalt
Lot Area	13,000 sqft (0.298 acres)
Lot Dimensions	260 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	576 sqft
Porch	Enclosed Frame Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	0632411008
Street Address	446 SOMONAUK ST
City	SYCAMORE
State	IL
Zip	60178-2249
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 50FT LOT 49- ASSESSORS LOTS OF SEC 32 - T41N R5E
Legal Subdivision	THIRD PRINCIPAL MERIDIAN
Legal Lot Number	49
Jurisdiction	DE KALB IL
Township / Civil Division	SYCAMORE
Census Block Group	2
Census Block	2015
Census Tract	600

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Sycamore Historic District listed 1978 · 187 contributing resources · NRIS 78003104

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

446 Somonauk St is owned and occupied by two individuals who bought it in July 2025.

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	2 Individual Names on File
Mailing Address	446 SOMONAUK ST, SYCAMORE, IL 60178-2249
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2024	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
May 13, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
May 15, 2019	Reverse Mortgage, Mortgage · FHA Mortgage ONE REVERSE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2025 · Amount on File
Deed Sale	Jul 1, 2025 · Amount on File
Prior Sale	Apr 18, 2024 · Amount on File
Deed Document Number	20254887
Prior Transfer Date	May 11, 2020
Prior Transfer Doc	0000004216
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IL
Property Address	446 SOMONAUK ST, SYCAMORE, IL 60178-2249
Transaction Type	Mortgage
Record Updated	May 13, 2024
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE GUARANTY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1485 FLORIDA RD D105, D105, DURANGO, CO 81301-6881

Mortgage

Document Number	0000002535
Date	Apr 18, 2024
Instrument	2024002535

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	7 EASTON OVAL, COLUMBUS, OH 43219

Agreement

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

Interest

Rate	7.12%

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DE KALB IL
Recording Date	May 13, 2020
Property Address	446 SOMONAUK ST, SYCAMORE, IL 60178-2249
Document Number	0000004216
Instrument Date	May 11, 2020
Instrument	4216
Transaction Type	Transfer
Record Updated	May 27, 2020
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	446 SOMONAUK ST SYCAMORE IL 601782249, SYCAMORE, IL 60178-2249

May 2019: Reverse Mortgage, Mortgage

Document Type	Reverse Mortgage
Jurisdiction	DE KALB IL
Recording Date	May 15, 2019
Property Address	446 SOMONAUK ST, SYCAMORE, IL 60178-2249
Document Number	0000003973
Instrument Date	Sep 29, 2018
Instrument	3973
Transaction Type	Mortgage
Record Updated	Sep 30, 2019
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	446 SOMONAUK ST SYCAMORE IL 601782249, SYCAMORE, IL 60178-2249

Mortgage

Document Number	3974
Date	May 15, 2019
Instrument	3974

Lender

Name	ONE REVERSE MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92121

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	1008 Months

Interest

Rate Type	Adjustable Rate
Rate	4.03%

Mortgage

Document Number	3975,
Date	May 15, 2019
Instrument	3975

Lender

Name	COMMISSIONER/HSNG & URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	1008 Months

Interest

Rate Type	Adjustable Rate
Rate	4.03%

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		$94,857 Land $15,691 Building $79,166	$284,571 Land $47,073 Building $237,498
2024	$6,500.00
2023		$81,440 Land $13,472 Building $67,968	$244,320 Land $40,416 Building $203,904

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 446 Somonauk 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 446 Somonauk 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 497 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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