824 E Garden St, Dekalb, IL 60115 Property Records

DeKalb County property record for 824 E Garden St, Dekalb, IL 60115

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$152,500 (Dec 2023)
Tax Bill	$3,502 (2024)
Deeds & Mortgages	Dec 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-23-384-006`

Property Details

APN / Parcel Number

Primary APN	`08-23-384-006`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories

Exterior

Exterior Material	Aluminum/Vinyl
Lot Area	6,000 sqft (0.138 acres)
Lot Dimensions	150 ft deep x 40 ft wide
Garage Type	Detached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0823384006
Street Address	824 E GARDEN ST
City	DEKALB
State	IL
Zip	60115-4254
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ASSESSORS LOTS OF SEC 23 - PT E 40FT E 1/2 W 3 1/6A
Legal Lot Number	15
Jurisdiction	DE KALB IL
Township / Civil Division	DEKALB
Census Block Group	1
Census Block	1016
Census Tract	1500

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	824 E GARDEN ST, DEKALB, IL 60115-4254
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 12, 2023 · Amount on Record
Deed Sale	Dec 12, 2023 · Amount on Record
Prior Sale	Feb 3, 2009
Deed Document Number	20238795
Record Updated	Oct 29, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IL
Recording Date	Dec 12, 2023
Property Address	824 E GARDEN ST, DEKALB, IL 60115-4254
Document Number	0000008795
Instrument Date	Nov 10, 2023
Instrument	2023008795
Transaction Type	Transfer
Record Updated	Dec 21, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$152.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	726 S 1ST ST, DEKALB, IL 60115-4120

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	824 E GARDEN ST, DEKALB, IL 60115-4254

Mortgage

Document Number	0000008796
Date	Dec 12, 2023
Instrument	2023008796

Lender

Name	LOWER LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

Interest

Rate Type	Fixed Rate
Rate	7.75%

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		$54,708 (+25.6%) Land $7,027 Building $47,681	$164,124 (+25.6%) Land $21,081 Building $143,043
2024	$3,502.00
2023		$43,558 (+9.53%) Land $5,595 Building $37,963	$130,674 (+9.53%) Land $16,785 Building $113,889
2022		$39,768 Land $6,385 Building $33,383	$119,304 Land $19,155 Building $100,149

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 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 593 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Frontier, Metronet, Verizon.

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