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1804 Gray St, Geneva, IL 60134 Property Records

Kane County property record for 1804 Gray St, Geneva, IL 60134

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,436 sqft · built 1976
Lot Size0.356 acres (15,524 sqft)
OwnerIndividual Name on Record
Last Sale$470,000 (Oct 2023)
Tax Bill$12,538 (2025)
Deeds & MortgagesOct 2023 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN12-04-201-012

Property Details

APN / Parcel Number

Primary APN12-04-201-012

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms9 Rooms
Stories2 Stories
Building Area2,436 sqft Living Area
Gross Area3,552 sqft
Basement Area1,116 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1976
Effective Year BuiltEffective 1976
Lot Area15,524 sqft (0.356 acres)
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address1804 GRAY ST
CityGENEVA
StateIL
Zip60134-1031
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionWESTFIELD PARK SUB. UNIT NO.5 LOT 66
Legal SubdivisionWESTFIELD PARK
Legal Block3
Legal Lot Number66
JurisdictionKANE IL
Township / Civil DivisionGENEVA
Census Block Group3
Census Block3011
Census Tract852608

Owner

Source: Kane County records, as of August 18, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordIndividual Name on Record
Mailing Address1804 GRAY ST, GENEVA, IL 60134-1031
OccupancyOwner Occupied
Owner TypeIndividual
VestingMarried Woman, Separate Property

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 6, 2023 · Amount on Record
Deed SaleOct 6, 2023 · Amount on Record
Deed Document Number202335092
Prior Transfer DateJul 17, 2006
Prior Transfer Doc0000094463
Record UpdatedSep 20, 2026

October 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKANE IL
Recording DateOct 6, 2023
Property Address1804 GRAY ST, GENEVA, IL 60134-1031
Document Number0000035092
Instrument DateOct 5, 2023
Instrument2023K035092
Transaction TypeTransfer
Record UpdatedOct 17, 2023
Title CompanyCHICAGO TITLE INSURANCE CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$470.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1804 GRAY ST, GENEVA, IL 60134-1031

Mortgage

Document Number0000035093
DateOct 6, 2023
Instrument2023K035093
Lender
NameAMERICAN PACIFIC MORTGAGE CORP
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueNov 1, 2053
Interest
Rate TypeFixed Rate
Rate6.62%

Mortgage

Document Number0000035094
DateOct 6, 2023
Instrument2023K035094
Lender
NameILLINOIS HOUSING DEVELOPMENT AUTHORITY
TypeGovernment Agency
AddressCHICAGO, IL 60601
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded
Term61 Months
DueNov 1, 2028

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionGeneva Township
MunicipalityGeneva City
Unified School DistrictGeneva Community Unit School District 304 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$12,538.00 (+16.68%)$181,603 (+8.5%) Land $47,206 Building $134,397$545,027 (+8.5%) Land $141,675 Building $403,352
2024$167,376 (+19.81%) Land $43,508 Building $123,868$502,329 (+19.86%) Land $130,576 Building $371,753
2022$10,746.00 (+3.17%) Homeowner's exemption$139,704 (+3.86%) Land $36,752 Building $102,952$419,112 (+3.86%) Land $110,256 Building $308,856
2021$10,416.00 Homeowner's exemption$134,512 Land $35,386 Building $99,126$403,536 Land $106,158 Building $297,378

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 October 8, 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 RiskLow
lower than 97% of the US · lower than 79% of Illinois
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemGENEVA
serves 21,247 people · EPA ID IL0890350
Water SourceGroundwater
Last State InspectionJun 2023
Lead5 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 284 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

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