644 Independence Ave, Sycamore, IL 60178 Property Records

DeKalb County property record for 644 Independence Ave, Sycamore, IL 60178

Property Summary

Property Type	Single Family Home
Details	1 bd · 2.5 ba · 1,791 sqft · built 2008
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on Record
Last Sale	$435,000 (Jun 2021)
Tax Bill	$13,491 (2024)
Deeds & Mortgages	Aug 2026 Line of Credit Feb 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-04-107-003`

Property Details

APN / Parcel Number

Primary APN	`09-04-107-003`

Interior

Bedrooms	1 Bed
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	1 Room
Stories	2 Stories
Building Area	1,791 sqft Building Perimeter
1st Floor Area	1,791 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Retaining Wall
Lot Area	14,810 sqft (0.34 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	802 sqft
Porch	Porch
Deck Area	450 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0904107003
Street Address	644 INDEPENDENCE AVE
City	SYCAMORE
State	IL
Zip	60178-2039
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 111 - KRPANS PARKSIDE ESTATES - UNIT 3
Legal Subdivision	KRPANS PARKSIDE ESTATES
Legal Lot Number	111
Legal Unit	3
Jurisdiction	DE KALB IL
Township / Civil Division	CORTLAND
Census Block Group	1
Census Block	1015
Census Tract	600

Owner

Source: DeKalb County records, as of September 4, 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	644 INDEPENDENCE AVE, SYCAMORE, IL 60178-2039
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2026	Deed of Trust, Mortgage · Line of Credit PNC BANK
Feb 14, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jun 21, 2021	Warranty Deed, Transfer · Conventional Mortgage OLD SECOND NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2021 · Amount on Record
Deed Sale	Jun 21, 2021 · Amount on Record
Prior Sale	Oct 23, 2009 · Amount on Record
Deed Document Number	20217946
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IL
Recording Date	Aug 24, 2026
Property Address	644 INDEPENDENCE AVE, SYCAMORE, IL 60178-2039
Document Number	0000007544
Instrument Date	Aug 5, 2026
Instrument	20267544
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	644 INDEPENDENCE AVE, SYCAMORE, IL 60178-2039

Mortgage

Document Number	0000007544,
Date	Aug 24, 2026
Instrument	20267544

Lender

Name	PNC BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Aug 9, 2066

Interest

Max Rate	-1%

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IL
Property Address	644 INDEPENDENCE AVE, SYCAMORE, IL 60178-2039
Transaction Type	Mortgage
Record Updated	Mar 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	644 INDEPENDENCE AVE, SYCAMORE, IL 60178-2039

Mortgage

Document Number	0000000997
Date	Feb 14, 2023
Instrument	2023000997

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Feb 6, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IL
Recording Date	Jun 21, 2021
Property Address	644 INDEPENDENCE AVE, SYCAMORE, IL 60178-2039
Document Number	0000007946
Map Reference	DOC 2003035484
Instrument Date	Jun 16, 2021
Instrument	2021007946
Transaction Type	Transfer
Record Updated	Jul 9, 2021
Title Company	ATTORNEYS TTL GUARANTY FUND

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$652.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	644 INDEPENDENCE AVE, SYCAMORE, IL 60178-2039

Mortgage

Document Number	0000007947
Date	Jun 21, 2021
Instrument	2021007947

Lender

Name	OLD SECOND NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	DeKalb County
County Subdivision	Cortland 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		$181,385 (+13.67%) Land $26,151 Building $155,234	$544,155 (+13.67%) Land $78,453 Building $465,702
2024	$13,491.00
2023		$159,572 Land $23,041 Building $136,531	$478,716 Land $69,123 Building $409,593

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	4 (1996–2013)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Apr 2013 · Severe Storms, Straight-line Winds, And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2008 · 2 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	Not rated no wildfire likelihood modeled here

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Frontier, Metronet, Verizon, Watch TV.

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