120 Howard St, Geneva, IL 60134 Property Records

Kane County property record for 120 Howard St, Geneva, IL 60134

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,576 sqft · built 1882
Lot Size	0.344 acres (15,000 sqft)
Owner	Company Name on File
Last Sale	$439,000 (Feb 2026)
Tax Bill	$9,085 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-02-309-008`

Property Details

APN / Parcel Number

Primary APN	`12-02-309-008`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,576 sqft Living Area
Gross Area	2,472 sqft
Basement Area	896 sqft

Exterior

Year Built	Built 1882
Effective Year Built	Effective 1882
Lot Area	15,000 sqft (0.344 acres)

Location & Zoning

Street Address	120 HOWARD ST
City	GENEVA
State	IL
Zip	60134-2422
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	B 8 PT AIRD
Legal Subdivision	HOWARD & BAIRDS ADD/GENEVA
Legal Block	5
Legal Lot Number	8,9
Jurisdiction	KANE IL
Township / Civil Division	GENEVA
Census Block Group	5
Census Block	5011
Census Tract	852500

Owner

120 Howard St is owned by a company that bought it in February 2026.

Source: Kane County records, as of July 23, 2026

Owner of Record	Company Name on File
Mailing Address	102 HOWARD ST, GENEVA, IL 60134-2318
Owner Type	Company
Vesting	Limited Liability Partnership

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 25, 2026 · Amount on File
Deed Sale	Feb 25, 2026 · Amount on File
Prior Sale	Jan 11, 2016 · Amount on File
Deed Document Number	20267503
Record Updated	Oct 29, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Feb 25, 2026
Property Address	120 HOWARD ST, GENEVA, IL 60134-2422
Document Number	0000007503
Instrument Date	Feb 12, 2026
Instrument	2026K007503
Transaction Type	Transfer
Record Updated	Mar 9, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$439.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3546 CREEKWOOD DR APT 17, 17, LEXINGTON, KY 40502-6545

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 HOWARD ST, GENEVA, IL 60134-2318

Mortgage

Document Number	0000007504
Date	Feb 25, 2026
Instrument	2026K007504

Lender

Name	BIG FISH PROPERTY MANAGEMENT LLC
Type	Non-Lending Institution

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 120 Howard St was $9,085, up 3% from the year before.

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	Geneva Township
Municipality	Geneva City
Unified School District	Geneva Community Unit School District 304 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,085.00 (+2.99%)	$125,792 (+8.5%) Land $43,345 Building $82,447	$377,527 (+8.5%) Land $130,087 Building $247,440
2024	$8,821.00	$115,937 Land $39,949 Building $75,988	$347,950 Land $119,895 Building $228,055
2022	$8,177.00 (+2.83%)	$97,935 (+3.86%) Land $33,746 Building $64,189	$293,805 (+3.86%) Land $101,238 Building $192,567
2021	$7,952.00	$94,295 Land $32,492 Building $61,803	$282,885 Land $97,476 Building $185,409

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

FEMA maps place 120 Howard St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (2002–2015)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Apr 2015 · 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

Wildfire risk around 120 Howard St 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 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	GENEVA serves 21,247 people · EPA ID IL0890350
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	5 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	None 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 264 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20