509 Charles St, Sycamore, IL 60178 Property Records

DeKalb County property record for 509 Charles St, Sycamore, IL 60178

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 928 sqft · built 1910
Lot Size	0.272 acres (11,850 sqft)
Owner	2 Individual Names on File
Last Sale	$132,000 (Dec 2009)
Tax Bill	$4,310 (2024)
Deeds & Mortgages	Apr 2022 Line of Credit Feb 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-32-378-018`

Property Details

APN / Parcel Number

Primary APN	`06-32-378-018`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	928 sqft Living Area
Gross Area	952 sqft
1st Floor Area	928 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Retaining Wall
Roof Material	Asphalt
Lot Area	11,850 sqft (0.272 acres)
Lot Dimensions	158 ft deep x 75 ft wide
Garage Type	Detached
Garage Area	441 sqft
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Account Number	0632378018
Street Address	509 CHARLES ST
City	SYCAMORE
State	IL
Zip	60178-2103
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11 - BLK 1 - BOIES 2ND ADDITION
Legal Subdivision	BOIES 2ND ADDITION
Legal Block	1
Legal Lot Number	11
Jurisdiction	DE KALB IL
Township / Civil Division	SYCAMORE
Census Block Group	3
Census Block	3024
Census Tract	600

Owner

509 Charles St is owned and occupied by two individuals who acquired it in November 2021.

Source: DeKalb County records, as of April 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	509 CHARLES ST, SYCAMORE, IL 60178-2103
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
Apr 11, 2022	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Feb 9, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage FIFTH THIRD BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2009 · Amount on File
Deed Sale	Dec 22, 2009 · Amount on File
Prior Sale	Nov 16, 2006 · Amount on File
Deed Document Number	200918467
Last Transfer Date	Nov 12, 2021
Transfer Doc	0000001489
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IL
Property Address	509 CHARLES ST, SYCAMORE, IL 60178-2103
Transaction Type	Mortgage
Record Updated	Apr 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 CHARLES ST, SYCAMORE, IL 60178-2103

Mortgage

Document Number	0000003631
Date	Apr 11, 2022
Instrument	2022003631

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	356 Months
Due	Dec 25, 2051

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DE KALB IL
Recording Date	Feb 9, 2022
Property Address	509 CHARLES ST, SYCAMORE, IL 60178-2103
Document Number	0000001489
Map Reference	MB A PG 71
Instrument Date	Nov 12, 2021
Instrument	2022001489
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	ACCOMODATION, ACCOMMODATION

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	Tenants by the Entirety
Address	509 CHARLES ST, SYCAMORE, IL 60178-2103

Mortgage

Document Number	0000001490
Date	Feb 9, 2022
Instrument	2022001490

Lender

Name	FIFTH THIRD BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	357 Months
Due	Nov 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.75%

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		$66,848 Land $17,331 Building $49,517	$200,544 Land $51,993 Building $148,551
2024	$4,310.00
2023		$57,393 Land $14,880 Building $42,513	$172,179 Land $44,640 Building $127,539

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 509 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

Wildfire risk around 509 Charles 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	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