522 Cedar St, Sandwich, IL 60548 Property Records

DeKalb County property record for 522 Cedar St, Sandwich, IL 60548

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,600 sqft
Lot Size	0.207 acres (9,017 sqft)
Owner	Individual Name on Record
Last Sale	$111,000 (Oct 2017)
Tax Bill	$4,303 (2024)
Deeds & Mortgages	Apr 2021 Mortgage Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-25-332-001`

Property Details

APN / Parcel Number

Primary APN	`19-25-332-001`

Interior

Bedrooms	3 Beds
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,600 sqft Living Area

Exterior

Architectural Style	Ranch
Lot Area	9,017 sqft (0.207 acres)
Lot Dimensions	136 ft deep x 66 ft wide
Garage Type	Detached

Utilities, Heating & Cooling

Cooling System	Window A/C
Water Source	Commercial

Location & Zoning

Account Number	1925332001
Street Address	522 CEDAR ST
City	SANDWICH
State	IL
Zip	60548-1735
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEDGWICKS ADDITION - LOT 8 - BLOCK 12
Legal Subdivision	SEDGWICKS ADDITION
Legal Block	12
Legal Lot Number	8
Jurisdiction	DE KALB IL
Township / Civil Division	SANDWICH
Census Block Group	3
Census Block	3004
Census Tract	2000

Owner

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	Individual Name on Record
Mailing Address	522 CEDAR ST, SANDWICH, IL 60548-1735
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage HEARTLAND BANK & TRUST CO
Dec 31, 2019	Deed of Trust, Mortgage · Conventional Mortgage US BK
Oct 10, 2017	Warranty Deed, Transfer · Conventional with PMI OLD SECOND NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 10, 2017 · Amount on Record
Deed Sale	Oct 10, 2017 · Amount on Record
Deed Document Number	20179965
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IL
Property Address	522 CEDAR ST, SANDWICH, IL 60548-1735
Transaction Type	Mortgage
Record Updated	Apr 19, 2021
Title Company	FIDELITY NATIONAL TITLE INSURANCE NY, FIDELITY NATIONAL TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004165
Date	Apr 1, 2021
Instrument	2021004165

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank
Address	BLOOMINGTON, IL 61704

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2036

Interest

Rate Type	Fixed Rate
Rate	2.37%

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IL
Property Address	522 CEDAR ST, SANDWICH, IL 60548-1735
Document Number	0000000202
Instrument Date	Dec 31, 2019
Transaction Type	Mortgage
Record Updated	Jan 21, 2020
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 CEDAR ST SANDWICH IL 605481735, SANDWICH, IL 60548-1735

Mortgage

Document Number	0000000202
Date	Jan 8, 2020
Instrument	202

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42303

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 7, 2035

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IL
Recording Date	Oct 10, 2017
Property Address	522 CEDAR ST, SANDWICH, IL 60548-1735
Document Number	0000009965
Instrument Date	Sep 25, 2017
Instrument	9965
Transaction Type	Transfer
Record Updated	Aug 27, 2018
Title Company	NEAR NORTH NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$111.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 E CHURCH ST SANDWICH IL 605482205, SANDWICH, IL 60548-2205

Mortgage

Document Number	9966
Date	Oct 10, 2017
Instrument	9966

Lender

Name	OLD SECOND NAT'L BK
Type	Bank
Address	AURORA, IL 60506

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 9, 2047

Mortgage

Document Number	9967,
Date	Oct 10, 2017
Instrument	9967

Lender

Name	COMMUNITY DEV CORP
Address	CHICAGO, IL 60601

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	DeKalb County
County Subdivision	Sandwich Township
Municipality	Sandwich City
Unified School District	Sandwich Community Unit School District 430 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$68,250 (+22.25%) Land $20,376 Building $47,874	$204,750 (+22.25%) Land $61,128 Building $143,622
2024	$4,303.00
2023		$55,829 Land $16,668 Building $39,161	$167,487 Land $50,004 Building $117,483

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 86% 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	SANDWICH serves 7,156 people · EPA ID IL0374850
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	2 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	2 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 442 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	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, Watch TV.

Nearby Properties on Cedar St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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