DeKalb County property record for 12985 Williams Cir, Genoa, IL 60135
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,090 sqft · built 2004 |
| Lot Size | 0.967 acres (42,103 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $9,348 (2024) |
| Deeds & Mortgages | Dec 2025 Mortgage Oct 2023 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-05-205-008 |
| Primary APN | 06-05-205-008 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,090 sqft Living Area |
| Gross Area | 2,814 sqft |
| 1st Floor Area | 2,090 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 42,103 sqft (0.967 acres) |
| Garage Type | Attached |
| Garage Area | 724 sqft |
| Porch | Slab |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Account Number | 0605205008 |
|---|---|
| Street Address | 12985 WILLIAMS CIR |
| City | GENOA |
| State | IL |
| Zip | 60135-7765 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PDR |
| Legal Description | LOT 29 - ANDER WOOD - UNIT 2 |
| Legal Subdivision | ANDER WOOD |
| Legal Lot Number | 29 |
| Legal Unit | 2 |
| Jurisdiction | DE KALB IL |
| Township / Civil Division | SYCAMORE |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 402 |
Source: DeKalb County records, as of April 28, 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 | 12985 WILLIAMS CIR, GENOA, IL 60135-7765 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Dec 2, 2025 | Deed of Trust, Mortgage · Conventional Mortgage OLD NATIONAL BANK |
| Oct 13, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance OLD NATIONAL BANK |
| Sep 28, 2022 | Deed of Trust, Mortgage · Line of Credit OLD NATIONAL BANK |
| May 1, 2018 | Deed of Trust, Mortgage · Line of Credit FIRST MIDWEST BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DE KALB IL |
| Property Address | 12985 WILLIAMS CIR, GENOA, IL 60135-7765 |
| Transaction Type | Mortgage |
| Record Updated | Jan 9, 2026 |
| Title Company | HEARTLAND TITLE COMPANY, WHEATLAND TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 12985 WILLIAMS CIR, GENOA, IL 60135-7765 |
| Document Number | 0000009632 |
|---|---|
| Date | Dec 2, 2025 |
| Instrument | 2025009632 |
| Name | OLD NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | EVANSVILLE, IN 47708 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2055 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.12% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DE KALB IL |
| Property Address | 12985 WILLIAMS CIR, GENOA, IL 60135-7765 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2023 |
| Title Company | NOT AVAILABLE, SOURCEPOINT |
| Name | Verified Name |
|---|---|
| Address | 12985 WILLIAMS CIR, GENOA, IL 60135-7765 |
| Document Number | 0000007240 |
|---|---|
| Date | Oct 13, 2023 |
| Instrument | 2023007240 |
| Name | OLD NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | SYCAMORE, IL 60178 |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Sep 23, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DE KALB IL |
| Property Address | 12985 WILLIAMS CIR, GENOA, IL 60135-7765 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2022 |
| Title Company | SOURCEPOINT |
| Name | Verified Name |
|---|---|
| Address | 12985 WILLIAMS CIR, GENOA, IL 60135-7765 |
| Document Number | 0000009347 |
|---|---|
| Date | Sep 28, 2022 |
| Instrument | 2022009347 |
| Name | OLD NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | SYCAMORE, IL 60178 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 24, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DE KALB IL |
| Property Address | 12985 WILLIAMS CIR, GENOA, IL 60135-7765 |
| Document Number | 0000011507 |
| Instrument Date | May 1, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 12985 WILLIAMS CIR GENOA IL 601357765, GENOA, IL 60135-7765 |
| Document Number | 0000011507 |
|---|---|
| Date | Dec 19, 2018 |
| Instrument | 11507 |
| Name | FIRST MIDWEST BK |
|---|---|
| Type | Bank |
| Address | ITASCA, IL 60143 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 18, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
Source: DeKalb County assessment roll, as of April 8, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | DeKalb County |
| County Subdivision | Sycamore Township |
| Unified School District | Genoa-Kingston Community Unit School District 424 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $141,260 (+16.48%) Land $15,072 Building $126,188 | $423,780 (+16.48%) Land $45,216 Building $378,564 | |
| 2024 | $9,348.00 | ||
| 2023 | $121,279 Land $12,940 Building $108,339 | $363,837 Land $38,820 Building $325,017 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Policies | 5 in force |
| Nearby Flood Claims | 1 (1999) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 1999 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 86% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | GENOA serves 5,298 people · EPA ID IL0370150 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2025 |
| Lead | 6 ppb (2026) action level 15 ppb |
| Water Quality | Radium not recorded as resolved · Apr 2026 |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 80 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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