523 Normal Rd, Dekalb, IL 60115 Property Records

DeKalb County property record for 523 Normal Rd, Dekalb, IL 60115

Property Summary

Property Type	Single Family Home
Lot Size	0.413 acres (18,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$200,000 (Oct 2021)
Tax Bill	$5,001 (2024)
Deeds & Mortgages	Jan 2026 Mortgage Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-15-377-026`

Property Details

APN / Parcel Number

Primary APN	`08-15-377-026`

Exterior

Lot Area	18,000 sqft (0.413 acres)
Lot Dimensions	300 ft deep x 60 ft wide

Location & Zoning

Account Number	0815377026
Street Address	523 NORMAL RD
City	DEKALB
State	IL
Zip	60115-2202
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT B - ROWES RESUBDIVISION
Legal Subdivision	ROWES RESUBDIVISION
Legal Lot Number	B
Jurisdiction	DE KALB IL
Township / Civil Division	DEKALB
Census Block Group	1
Census Block	1004
Census Tract	900

Owner

Source: DeKalb County records, as of April 8, 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 Record
Mailing Address	523 NORMAL RD, DEKALB, IL 60115-2202
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2026	Intrafamily Transfer, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF OMAHA
Oct 15, 2021	Warranty Deed, Transfer · FHA Mortgage SERVION INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 2021 · Amount on Record
Deed Sale	Oct 15, 2021 · Amount on Record
Deed Document Number	202113396
Last Transfer Date	Dec 10, 2025
Transfer Doc	0000000778
Record Updated	Sep 20, 2026

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DE KALB IL
Recording Date	Jan 30, 2026
Property Address	523 NORMAL RD, DEKALB, IL 60115-2202
Document Number	0000000778
Map Reference	MB J PG 42
Instrument Date	Dec 10, 2025
Instrument	2026000778
Transaction Type	Transfer
Record Updated	Feb 23, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

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	Joint Tenants with Right of Survivorship
Address	523 NORMAL RD, DEKALB, IL 60115-2202

Mortgage

Document Number	0000000779
Date	Jan 30, 2026
Instrument	2026000779

Lender

Name	FIRST NATIONAL BANK OF OMAHA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IL
Recording Date	Oct 15, 2021
Property Address	523 NORMAL RD, DEKALB, IL 60115-2202
Document Number	0000013396
Map Reference	DOC 285419
Instrument Date	Sep 9, 2021
Instrument	2021013396
Transaction Type	Transfer
Record Updated	Nov 5, 2021
Title Company	ATTORNEY'S TITLE, ATTORNEYS TTL GUARANTY FUND

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	523 NORMAL RD, DEKALB, IL 60115-2202

Mortgage

Document Number	0000013397
Date	Oct 15, 2021
Instrument	2021013397

Lender

Name	SERVION INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3%

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$75,325 (+9.51%) Land $11,712 Building $63,613	$225,975 (+9.51%) Land $35,136 Building $190,839
2024	$5,001.00 Homeowner's exemption	$68,784 (+14.69%) Land $10,695 Building $58,089	$206,352 (+14.69%) Land $32,085 Building $174,267
2023		$59,974 Land $9,325 Building $50,649	$179,922 Land $27,975 Building $151,947

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

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
Flood Insurance Cost	Premium on Record median of 11 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	22 (1978–2013)
Claims Outside the SFHA	4 of 22
Most Recent Claim	Apr 2013 · Severe Storms, Straight-line Winds, And Flooding
Claims by Event	Severe Storms And Flooding, Aug 2007 · 7 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

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	DEKALB serves 40,290 people · EPA ID IL0370100
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, 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 96 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: DNA Communications.

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