628 High Ter, Dekalb, IL 60115 Property Records

DeKalb County property record for 628 High Ter, Dekalb, IL 60115

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,100 sqft
Lot Size	0.248 acres (10,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$222,500 (Jul 2026)
Tax Bill	$5,067 (2024)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-15-328-004`

Property Details

APN / Parcel Number

Primary APN	`08-15-328-004`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Building Area	2,100 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Architectural Style	Split Level
Lot Area	10,800 sqft (0.248 acres)
Lot Dimensions	135 ft deep x 80 ft wide
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0815328004
Street Address	628 HIGH TER
City	DEKALB
State	IL
Zip	60115-1608
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COLLEGE VIEW SUB 2ND ADDITION - LOT 2 BLOCK 6
Legal Subdivision	COLLEGE VIEW SUB 2ND ADDITION
Legal Block	6
Legal Lot Number	2
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 August 13, 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	628 HIGH TER, DEKALB, IL 60115-1608
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2026	Warranty Deed, Transfer · Conventional Mortgage FIRST CREDIT UNION
Oct 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MTG
Nov 4, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2026 · Amount on Record
Deed Sale	Jul 28, 2026 · Amount on Record
Prior Sale	Oct 29, 2020 · Amount on Record
Deed Document Number	20266576
Prior Transfer Date	Aug 29, 2015
Prior Transfer Doc	0000011445
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IL
Recording Date	Jul 28, 2026
Property Address	628 HIGH TER, DEKALB, IL 60115-1608
Document Number	0000006576
Instrument Date	Jul 21, 2026
Instrument	20266576
Transaction Type	Transfer
Record Updated	Aug 13, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$33,708.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety

Mortgage

Document Number	0000006577,
Date	Jul 28, 2026
Instrument	20266577

Lender

Name	FIRST CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.88%
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0000006578,
Date	Jul 28, 2026
Instrument	20266578

Lender

Name	ILLINOIS HOUSING DEV AUTHORITY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.52%
Max Rate	-1%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IL
Property Address	628 HIGH TER, DEKALB, IL 60115-1608
Document Number	0000011278
Instrument Date	Oct 22, 2020
Transaction Type	Mortgage
Record Updated	Nov 17, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	628 HIGH TER DEKALB IL 601151608, DEKALB, IL 60115-1608

Mortgage

Document Number	0000011278
Date	Nov 2, 2020
Instrument	11278

Lender

Name	AMERICAN PACIFIC MTG
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IL
Recording Date	Nov 4, 2020
Property Address	628 HIGH TER, DEKALB, IL 60115-1608
Document Number	0000011277
Instrument Date	Sep 4, 2020
Instrument	11277
Transaction Type	Transfer
Record Updated	Nov 17, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	628 HIGH TERRACE DR DEKALB IL 60115, DEKALB, IL 60115

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		$69,650 (+25.6%) Land $14,369 Building $55,281	$208,950 (+25.6%) Land $43,107 Building $165,843
2024	$5,067.00
2023		$55,454 Land $11,440 Building $44,014	$166,362 Land $34,320 Building $132,042

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 251 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Xfinity Cable	1,200 / 35

May also be available: AT&T, Frontier, Verizon.

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