521 E Locust St, Dekalb, IL 60115 Property Records

DeKalb County property record for 521 E Locust St, Dekalb, IL 60115

Property Summary

Property Type	Commercial
Lot Size	0.309 acres (13,460 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (Jul 2021)
Tax Bill	$6,639 (2024)
Deeds & Mortgages	Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-23-184-016`

Property Details

APN / Parcel Number

Primary APN	`08-23-184-016`

Exterior

Lot Area	13,460 sqft (0.309 acres)

Location & Zoning

Account Number	0823184016
Street Address	521 E LOCUST ST
City	DEKALB
State	IL
Zip	60115-3328
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	PT PARCEL A - WEST SUB OF AMERICAN STEEL & WIRE CO
Legal Subdivision	PARCEL A - WEST SUB
Jurisdiction	DE KALB IL
Township / Civil Division	DEKALB
Census Block Group	5
Census Block	5027
Census Tract	1300

Owner

Source: DeKalb County records · APN 08-23-184-016

Assessment roll updated April 8, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	521 E LOCUST ST, DEKALB, IL 60115-3328
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 02, 2021 · Amount on Record
Deed Sale	Jul 02, 2021 · Amount on Record
Prior Sale	May 05, 2008
Deed Document Number	20218612
Prior Transfer Date	Apr 29, 2008
Prior Transfer Doc	0000006809
Record Updated	Sep 20, 2026

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	DE KALB IL
Recording Date	Jul 02, 2021
Property Address	521 E LOCUST ST, DEKALB, IL 60115-3328
Document Number	0000008612
Map Reference	MB D PG 54
Instrument Date	Jun 28, 2021
Instrument	2021008612
Transaction Type	Transfer
Record Updated	Jul 19, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$450.00
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	521 E LOCUST ST, DEKALB, IL 60115-3328

Mortgage

Document Number	0000008613
Date	Jul 02, 2021
Instrument	2021008613

Lender

Name	RESOURCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Jul 01, 2026
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	5.37%
Index	1-Year CMT
Max Rate	8.37%

Tax Assessment & Valuation

Source: DeKalb County records · Assessment roll updated April 8, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Illinois
County	DeKalb County
County Subdivision	DeKalb Township
Municipality	DeKalb City
Unified School District	DeKalb Community Unit School District 428 (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$97,832 (+25.6%) Land $30,640 Building $67,192	$293,496 (+25.6%) Land $91,920 Building $201,576
2024	$6,639.00
2023		$77,893 Land $24,395 Building $53,498	$233,679 Land $73,185 Building $160,494

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, DeKalb County (17037C), as of January 2, 2009 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170370013005, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1983)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 1983 · tidal / storm surge

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Metronet Holdings Fiber	5,120 / 5,120
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20

May also be available: Digital Network Access Communications, T-Mobile USA, Verizon.

Based on FCC filings for 428 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system IL0370100, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	DEKALB serves 40,290 people
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	13 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.