Kane County property record for 221 S 2nd St, Geneva, IL 60134
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,260 sqft · built 1898 |
| Lot Size | 0.121 acres (5,280 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $640,000 (Jun 2025) |
| Tax Bill | $7,684 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage Sep 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-03-457-004 |
| Primary APN | 12-03-457-004 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,260 sqft Living Area |
| Gross Area | 2,520 sqft |
| 1st Floor Area | 1,260 sqft |
| Basement Area | 1,260 sqft |
| Year Built | Built 1898 |
|---|---|
| Effective Year Built | Effective 1898 |
| Architectural Style | Cottage |
| Exterior Material | Wood |
| Lot Area | 5,280 sqft (0.121 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Window A/C |
|---|---|
| Water Source | Commercial |
| Street Address | 221 S 2ND ST |
|---|---|
| City | GENEVA |
| State | IL |
| Zip | 60134-2713 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S 1/2 N 1/2 + N 6 S1/2 LOTS 6&7 B 70 OT |
| Legal Subdivision | GENEVA |
| Legal Block | 2 |
| Legal Lot Number | 6&7 |
| Jurisdiction | KANE IL |
| Township / Civil Division | GENEVA |
| Census Block Group | 2 |
| Census Block | 2042 |
| Census Tract | 852608 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Central Geneva Historic District listed 1979 · 68 contributing resources · NRIS 79000845 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
221 S 2nd St is owned and occupied by two individuals who bought it in June 2025.
Source: Kane County records, as of July 23, 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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 221 S 2ND ST, GENEVA, IL 60134-2713 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jan 13, 2026 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC |
| Sep 24, 2020 | Deed of Trust, Mortgage · Line of Credit CITIBANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 24, 2025 · Amount on File |
| Deed Sale | Jun 24, 2025 · Amount on File |
| Prior Sale | Jun 2, 2006 · Amount on File |
| Deed Document Number | 202523082 |
| Prior Transfer Date | Dec 17, 2012 |
| Prior Transfer Doc | 0000091412 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 221 S 2ND ST, GENEVA, IL 60134-2713 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2026 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Name | Verified Name |
|---|---|
| Address | 221 S 2ND ST, GENEVA, IL 60134-2713 |
| Document Number | 0000001591 |
|---|---|
| Date | Jan 13, 2026 |
| Instrument | 2026K001591 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Rate | 6.1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 221 S 2ND ST, GENEVA, IL 60134-2713 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ACQUEST TITLE SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0000055574 |
|---|---|
| Date | Sep 24, 2020 |
| Instrument | 2020K055574 |
| Name | CITIBANK NA |
|---|---|
| Type | Bank |
| Address | O FALLON, MO 63368 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 1, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Kane County assessment roll, as of July 23, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,684.00 (+3.07%) | $122,395 (+8.5%) Land $38,529 Building $83,866 | $367,332 (+8.5%) Land $115,633 Building $251,699 |
| 2024 | $112,807 (+18.38%) Land $35,511 Building $77,296 | $338,556 (+18.43%) Land $106,576 Building $231,981 | |
| 2022 | $7,455.00 (+3.1%) Homeowner's exemption | $95,291 (+3.86%) Land $29,997 Building $65,294 | $285,873 (+3.86%) Land $89,991 Building $195,882 |
| 2021 | $7,231.00 Homeowner's exemption | $91,749 Land $28,882 Building $62,867 | $275,247 Land $86,646 Building $188,601 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 221 S 2nd St in Zone X, an area of minimal flood risk.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
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.
The area around 221 S 2nd St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 387 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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