DeKalb County property record for 908 Kramer Ln, Sandwich, IL 60548
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.85 acres (37,026 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $10,560 (2024) |
| Deeds & Mortgages | May 2022 Mortgage Mar 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-25-254-016 |
| Primary APN | 19-25-254-016 |
|---|
| Lot Area | 37,026 sqft (0.85 acres) |
|---|
| Account Number | 1925254016 |
|---|---|
| Street Address | 908 KRAMER LN |
| City | SANDWICH |
| State | IL |
| Zip | 60548-1073 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SANDHURST - UNIT 2-LOT 105 |
| Legal Subdivision | SANDHURST - UNIT 2 |
| Legal Lot Number | 105 |
| Legal Unit | 2 |
| Jurisdiction | DE KALB IL |
| Township / Civil Division | SANDWICH |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 2000 |
908 Kramer Ln is owned and occupied by an individual who acquired it in August 2019.
Source: DeKalb County records, as of April 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 908 KRAMER LN, SANDWICH, IL 60548-1073 |
| 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.
| Date | Document |
|---|---|
| May 2, 2022 | Deed of Trust, Mortgage · Conventional Mortgage THE HOME LOAN EXPERT LLC |
| Mar 24, 2020 | Deed of Trust, Mortgage · Line of Credit FIRST NAT'L BK/OMAHA |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Aug 16, 2019 |
| Transfer Doc | 0000008018 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DE KALB IL |
| Property Address | 908 KRAMER LN, SANDWICH, IL 60548-1073 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000004390 |
|---|---|
| Date | May 2, 2022 |
| Instrument | 2022004390 |
| Name | THE HOME LOAN EXPERT LLC |
|---|---|
| Type | Mortgage Company |
| Address | SAINT LOUIS, MO 63144 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DE KALB IL |
| Property Address | 908 KRAMER LN, SANDWICH, IL 60548-1073 |
| Document Number | 0000003411 |
| Instrument Date | Mar 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 20, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 908 KRAMER LN SANDWICH IL 605481073, SANDWICH, IL 60548-1073 |
| Document Number | 0000003411 |
|---|---|
| Date | Apr 21, 2020 |
| Instrument | 3411 |
| Name | FIRST NAT'L BK/OMAHA |
|---|---|
| Type | Bank |
| Address | OMAHA, NE 68197 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
Source: DeKalb County assessment roll, as of April 8, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | DeKalb County |
| County Subdivision | Sandwich Township |
| Municipality | Sandwich City |
| Unified School District | Sandwich Community Unit School District 430 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $158,517 Land $34,978 Building $123,539 | $475,551 Land $104,934 Building $370,617 | |
| 2024 | $10,560.00 | ||
| 2023 | $129,666 Land $28,612 Building $101,054 | $388,998 Land $85,836 Building $303,162 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 908 Kramer Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2019.
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 | 1 (2019) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2019 · rainfall accumulation |
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 risk around 908 Kramer Ln 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 97% of the US · lower than 79% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SANDWICH serves 7,156 people · EPA ID IL0374850 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | 2 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 205 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 | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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