504 S 3rd St, Kirkland, IL 60146 Property Records

DeKalb County property record for 504 S 3rd St, Kirkland, IL 60146

Property Summary

Property Type	Single Family Home
Lot Size	0.543 acres (23,673 sqft)
Owner	2 Individual Names on File
Last Sale	$168,000 (Jan 2020)
Tax Bill	$6,341 (2024)
Deeds & Mortgages	Feb 2022 Mortgage Jan 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-26-261-010`

Property Details

APN / Parcel Number

Primary APN	`01-26-261-010`

Exterior

Lot Area	23,673 sqft (0.543 acres)

Location & Zoning

Account Number	0126261010
Street Address	504 S 3RD ST
City	KIRKLAND
State	IL
Zip	60146-7721
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 3, 4, 5 & ADJ VAC ALLEY - BLK 2 - ROWENS ADDITION
Legal Subdivision	ROWENS ADDITION
Legal Block	2
Legal Lot Number	3,4,5
Jurisdiction	DE KALB IL
Township / Civil Division	FRANKLIN
Census Block Group	2
Census Block	2054
Census Tract	200

Owner

504 S 3rd St is owned and occupied by two individuals who acquired it in April 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	504 S 3RD ST, KIRKLAND, IL 60146-7721
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 2, 2022	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Jan 27, 2020	Warranty Deed, Transfer GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 2020 · Amount on File
Deed Sale	Jan 27, 2020 · Amount on File
Deed Document Number	2020738
Last Transfer Date	Apr 30, 2024
Transfer Doc	0000002893
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IL
Property Address	504 S 3RD ST, KIRKLAND, IL 60146-7721
Transaction Type	Mortgage
Record Updated	Feb 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001229
Date	Feb 2, 2022
Instrument	2022001229

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	155 Months
Due	Jan 1, 2035

Interest

Rate Type	Fixed Rate
Rate	3.12%

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IL
Recording Date	Jan 27, 2020
Property Address	504 S 3RD ST, KIRKLAND, IL 60146-7721
Document Number	0000000738
Instrument Date	Jan 13, 2020
Instrument	738
Transaction Type	Transfer
Record Updated	Feb 7, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 392 KIRKLAND IL 601460392, KIRKLAND, IL 60146-0392

Mortgage

Document Number	739
Date	Jan 27, 2020
Instrument	739

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Amount	Amount on Record
Term	180 Months
Due	Jan 26, 2035

Interest

Rate Type	Fixed Rate
Rate	4.25%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	DeKalb County
County Subdivision	Franklin Township
Municipality	Kirkland Village
Unified School District	Hiawatha Community Unit School District 426 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$78,725 Land $23,872 Building $54,853	$236,175 Land $71,616 Building $164,559
2024	$6,341.00
2023		$67,078 Land $20,340 Building $46,738	$201,234 Land $61,020 Building $140,214

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 504 S 3rd St in Zone X, an area of minimal flood risk, though there have been 20 flood claims nearby since 1996.

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	9 in force
Nearby Flood Claims	20 (1996–2010)
Claims Outside the SFHA	5 of 20
Most Recent Claim	Jul 2010 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Jul 1996 · 16 claims

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 504 S 3rd 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 99.1% of the US · lower than 94% 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	KIRKLAND serves 1,650 people · EPA ID IL0370300
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	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 301 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AirCell Fiber · Fixed Wireless	1,000 / 250
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: E-vergent.

Cell Coverage

5G (outdoors only) and 4G LTE

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