227 S 3rd St, Geneva, IL 60134 Property Records

Kane County property record for 227 S 3rd St, Geneva, IL 60134

Property Summary

Property Type	Commercial
Details	30,609 sqft · built 1870
Lot Size	0.31 acres (13,500 sqft)
Owner	Company Name on File
Last Sale	$1,450,000 (Sep 2017)
Tax Bill	$50,288 (2025)
Deeds & Mortgages	Sep 2017 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`12-03-456-007`

Property Details

APN / Parcel Number

Primary APN	`12-03-456-007`

Interior

Stories	2 Stories
Building Area	30,609 sqft Gross Area
Basement Area	7,776 sqft

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1870
Lot Area	13,500 sqft (0.31 acres)
View / Lot	Corner

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	227 S 3RD ST
City	GENEVA
State	IL
Zip	60134-2782
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	S 1/2 L 6, ALL L 7&8, B 69 OT GENEVA
Legal Subdivision	GENEVA
Legal Block	2
Legal Lot Number	6-8
Jurisdiction	KANE IL
Township / Civil Division	GENEVA
Census Block Group	2
Census Block	2041
Census Tract	852608

Historic Designation

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.

Owner

227 S 3rd St, a commercial property, is owned by a company that bought it in September 2017.

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	Company Name on File
Mailing Address	2301 SUDBURY LN, GENEVA, IL 60134-1756
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 5, 2017 · Amount on File
Deed Sale	Sep 5, 2017 · Amount on File
Prior Sale	Nov 15, 2007 · Amount on File
Deed Document Number	201746485
Prior Transfer Date	Oct 9, 1998
Prior Transfer Doc	0000095280
Record Updated	Oct 29, 2026

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 5, 2017
Property Address	227 S 3RD ST, GENEVA, IL 60134-2782
Document Number	0000046485
Instrument Date	Aug 29, 2017
Instrument	46485
Transaction Type	Transfer
Record Updated	Sep 25, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,175.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2301 SUDBURY LN GENEVA IL 601341756, GENEVA, IL 60134-1756

Mortgage

Document Number	46486
Date	Sep 5, 2017
Instrument	46486

Lender

Name	ST CHARLES BK&TR
Type	Bank
Address	411 W MAIN ST, ST CHARLES, IL 60174-1815

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Sep 4, 2022

Interest

Rate Type	Adjustable Rate
Rate	5%

Tax Assessment & Valuation

The 2025 property tax bill for 227 S 3rd St was $50,288.

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	$50,288.00	$654,611 (+8.5%) Land $144,612 Building $509,999	$1,964,619 (+8.5%) Land $434,010 Building $1,530,609
2024		$603,328 Land $133,283 Building $470,045	$1,810,708 Land $400,009 Building $1,410,699
2022	$44,289.00 (+2.03%)	$509,645 (+3.86%) Land $112,587 Building $397,058	$1,528,935 (+3.86%) Land $337,761 Building $1,191,174
2021	$43,406.00	$490,704 Land $108,403 Building $382,301	$1,472,112 Land $325,209 Building $1,146,903

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 227 S 3rd 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.

Wildfire

The area around 227 S 3rd 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.

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 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