631 S 3rd St, Dekalb, IL 60115 Property Records

DeKalb County property record for 631 S 3rd St, Dekalb, IL 60115

Property Summary

Property Type	Single Family Home
Lot Size	0.237 acres (10,329 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,772 (2024)
Deeds & Mortgages	Mar 2026 Mortgage Mar 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`08-22-478-027`

Property Details

APN / Parcel Number

Primary APN	`08-22-478-027`

Exterior

Lot Area	10,329 sqft (0.237 acres)
Lot Dimensions	156 ft deep x 66 ft wide

Location & Zoning

Account Number	0822478027
Street Address	631 S 3RD ST
City	DEKALB
State	IL
Zip	60115-4123
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RUSSELL HUNTLEYS ADDITION - LOT 6 BLOCK E
Legal Subdivision	RUSSELL HUNTLEYS ADDITION
Legal Block	E
Legal Lot Number	6
Jurisdiction	DE KALB IL
Township / Civil Division	DEKALB
Census Block Group	3
Census Block	3013
Census Tract	1300

Owner

631 S 3rd St is owned and occupied by two individuals who acquired it in March 2020.

Source: DeKalb County records, as of April 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	631 S 3RD ST, DEKALB, IL 60115-4123
Occupancy	Owner Occupied
Owner Type	Individual

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
Mar 4, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 17, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Mar 11, 2020
Transfer Doc	0000002440
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IL
Property Address	631 S 3RD ST, DEKALB, IL 60115-4123
Transaction Type	Mortgage
Record Updated	Mar 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	631 S 3RD ST, DEKALB, IL 60115-4123

Mortgage

Document Number	0000001725
Date	Mar 4, 2026
Instrument	2026001725

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2056

Interest

Rate	7.25%

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DE KALB IL
Recording Date	Mar 17, 2020
Property Address	631 S 3RD ST, DEKALB, IL 60115-4123
Document Number	0000002440
Instrument Date	Mar 11, 2020
Instrument	2440
Transaction Type	Transfer
Record Updated	Apr 21, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	631 S 3RD ST DEKALB IL 601154123, DEKALB, IL 60115-4123

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		$77,642 Land $11,595 Building $66,047	$232,926 Land $34,785 Building $198,141
2024	$4,772.00
2023		$61,818 Land $9,232 Building $52,586	$185,454 Land $27,696 Building $157,758

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

Flood

FEMA maps place 631 S 3rd St in Zone X, an area of minimal flood risk, though there have been 18 flood claims nearby since 1978.

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	18 (1978–2007)
Claims Outside the SFHA	2 of 18
Most Recent Claim	Aug 2007 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Aug 2007 · 12 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

The area around 631 S 3rd St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 505 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: Verizon.

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