615 Cottage Row, Sycamore, IL 60178 Property Records

DeKalb County property record for 615 Cottage Row, Sycamore, IL 60178

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 756 sqft · built 1900
Lot Size	0.198 acres (8,640 sqft)
Owner	2 Individual Names on File
Last Sale	$99,000 (Mar 2018)
Tax Bill	$4,218 (2024)
Deeds & Mortgages	Apr 2020 Mortgage Mar 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-32-310-009`

Property Details

APN / Parcel Number

Primary APN	`06-32-310-009`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	756 sqft Living Area
Gross Area	780 sqft
1st Floor Area	756 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Retaining Wall
Roof Material	Asphalt
Lot Area	8,640 sqft (0.198 acres)
Lot Dimensions	150 ft deep x 57.6 ft wide
Garage Type	Detached
Garage Area	528 sqft
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Account Number	0632310009
Street Address	615 COTTAGE ROW
City	SYCAMORE
State	IL
Zip	60178-2108
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CORNWALLS ADDITION - LOT 4 BLOCK 1
Legal Subdivision	CORNWALLS ADDITION
Legal Block	1
Legal Lot Number	4
Jurisdiction	DE KALB IL
Township / Civil Division	SYCAMORE
Census Block Group	3
Census Block	3010
Census Tract	600

Owner

615 Cottage Row is owned and occupied by two individuals who bought it in March 2018.

Source: DeKalb County records, as of July 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	615 COTTAGE ROW, SYCAMORE, IL 60178-2108
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MTG
Mar 26, 2018	Grant Deed, Transfer · FHA Mortgage PERL MTG
Jan 23, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 26, 2018 · Amount on File
Deed Sale	Mar 26, 2018 · Amount on File
Prior Sale	Jan 23, 2018 · Amount on File
Deed Document Number	20182709
Prior Transfer Date	Jan 17, 2018
Prior Transfer Doc	0000000755
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IL
Property Address	615 COTTAGE ROW, SYCAMORE, IL 60178-2108
Document Number	0000004129
Instrument Date	Apr 14, 2020
Transaction Type	Mortgage
Record Updated	May 19, 2020
Title Company	NATIONAL TITLE SOLUTIONS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	615 COTTAGE ROW SYCAMORE IL 601782108, SYCAMORE, IL 60178-2108

Mortgage

Document Number	0000004129
Date	May 11, 2020
Instrument	4129

Lender

Name	CROSSCOUNTRY MTG
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 10, 2050

Interest

Rate Type	Fixed Rate
Rate	4.62%

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	DE KALB IL
Recording Date	Mar 26, 2018
Property Address	615 COTTAGE ROW, SYCAMORE, IL 60178-2108
Document Number	0000002709
Instrument Date	Mar 19, 2018
Instrument	2709
Transaction Type	Transfer
Record Updated	Apr 6, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$99.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	615 COTTAGE ROW SYCAMORE IL 601782108, SYCAMORE, IL 60178-2108

Mortgage

Document Number	2710
Date	Mar 26, 2018
Instrument	2710

Lender

Name	PERL MTG
Type	Mortgage Company
Address	CHICAGO, IL 60618

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 25, 2048

Interest

Rate	5.25%

January 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	DE KALB IL
Recording Date	Jan 23, 2018
Property Address	615 COTTAGE ROW, SYCAMORE, IL 60178-2108
Document Number	0000000755
Instrument Date	Jan 17, 2018
Instrument	755
Transaction Type	Foreclosure
Record Updated	Feb 19, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$71.52
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	615 COTTAGE ROW SYCAMORE IL 601782108, SYCAMORE, IL 60178-2108

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		$60,346 Land $11,406 Building $48,940	$181,038 Land $34,218 Building $146,820
2024	$4,218.00
2023		$51,811 Land $9,793 Building $42,018	$155,433 Land $29,379 Building $126,054

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

Flood

FEMA maps place 615 Cottage Row 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 615 Cottage Row 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.

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