Kane County property record for 226 Charles St, Geneva, IL 60134
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,740 sqft · built 1951 |
| Lot Size | 0.304 acres (13,250 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $357,000 (Apr 2020) |
| Tax Bill | $10,201 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Apr 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-04-286-005 |
| Primary APN | 12-04-286-005 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,740 sqft Living Area |
| Gross Area | 3,480 sqft |
| 1st Floor Area | 1,740 sqft |
| Basement Area | 1,740 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1951 |
| Lot Area | 13,250 sqft (0.304 acres) |
| View / Lot | Corner |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|
| Street Address | 226 CHARLES ST |
|---|---|
| City | GENEVA |
| State | IL |
| Zip | 60134-1132 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 18 SANSONES ADDITION |
| Legal Subdivision | 8 SANSONES ADDN |
| Legal Block | 2 |
| Legal Lot Number | 18 |
| Jurisdiction | KANE IL |
| Township / Civil Division | GENEVA |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 852607 |
226 Charles St is owned and occupied by two individuals who bought it in April 2020.
Source: Kane County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 226 CHARLES ST, GENEVA, IL 60134-1132 |
| 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 |
|---|---|
| Nov 4, 2021 | Deed of Trust, Mortgage · FHA Mortgage HOME POINT FINANCIAL CORPORATION |
| Apr 9, 2020 | Warranty Deed, Transfer · FHA Mortgage MIDWEST COMMUNITY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 9, 2020 · Amount on File |
| Deed Sale | Apr 9, 2020 · Amount on File |
| Prior Sale | Dec 21, 2012 · Amount on File |
| Deed Document Number | 202017701 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 226 CHARLES ST, GENEVA, IL 60134-1132 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000083255 |
|---|---|
| Date | Nov 4, 2021 |
| Instrument | 2021K083255 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Oct 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.75% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Apr 9, 2020 |
| Property Address | 226 CHARLES ST, GENEVA, IL 60134-1132 |
| Document Number | 0000017701 |
| Instrument Date | Apr 2, 2020 |
| Instrument | 2020K017701 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $357.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 226 CHARLES ST, 226, GENEVA, IL 60134-1132 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 226 CHARLES ST, GENEVA, IL 60134-1132 |
| Document Number | 0000017702 |
|---|---|
| Date | Apr 9, 2020 |
| Instrument | 2020K017702 |
| Name | MIDWEST COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | FREEPORT, IL 61032 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
The 2025 property tax bill for 226 Charles St was $10,201 with a homeowner's exemption.
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 | $10,201.00 Homeowner's exemption | $149,243 (+8.5%) Land $47,206 Building $102,037 | $447,908 (+8.5%) Land $141,675 Building $306,233 |
| 2024 | $137,551 Land $43,508 Building $94,043 | $412,818 Land $130,576 Building $282,242 | |
| 2022 | $9,605.00 (+3.02%) Homeowner's exemption | $121,047 (+3.86%) Land $36,752 Building $84,295 | $363,141 (+3.86%) Land $110,256 Building $252,885 |
| 2021 | $9,323.00 Homeowner's exemption | $116,548 Land $35,386 Building $81,162 | $349,644 Land $106,158 Building $243,486 |
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.
FEMA maps place 226 Charles St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 8, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 226 Charles 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 354 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 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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