321 N 3rd St, Geneva, IL 60134 Property Records

Kane County property record for 321 N 3rd St, Geneva, IL 60134

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,402 sqft · built 1930
Lot Size	0.132 acres (5,760 sqft)
Owner	2 Individual Names on Record
Last Sale	$305,000 (May 2004)
Tax Bill	$8,662 (2025)
Deeds & Mortgages	Jan 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-03-278-003`

Property Details

APN / Parcel Number

Primary APN	`12-03-278-003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,402 sqft Living Area
Gross Area	2,169 sqft
Basement Area	767 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	5,760 sqft (0.132 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Water Source	Commercial

Location & Zoning

Street Address	321 N 3RD ST
City	GENEVA
State	IL
Zip	60134-1443
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE SOUTHERLY 48 FT OF THE NORTHERLY 98 FT OF LOTS 6 AND 7 IN BLK 16 OF THE ORIGINAL TOWN OF GENEVA
Legal Subdivision	GENEVA
Legal Block	16
Legal Lot Number	6,7
Jurisdiction	KANE IL
Township / Civil Division	GENEVA
Census Block Group	1
Census Block	1021
Census Tract	852608

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the North Geneva Historic District listed 1982 · 150 contributing resources · NRIS 82002549

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Kane County records, as of July 23, 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	321 N 3RD ST, GENEVA, IL 60134-1443
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 2004 · Amount on Record
Deed Sale	May 6, 2004 · Amount on Record
Prior Sale	Feb 20, 1996 · Amount on Record
Deed Document Number	200457198
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	321 N 3RD ST, GENEVA, IL 60134-1443
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001803
Date	Jan 10, 2017
Instrument	2017K001803

Lender

Name	FIFTH THIRD MORTGAGE CO
Type	Mortgage Company
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2032

Tax Assessment & Valuation

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	$8,662.00 (+10.4%) Homeowner's exemption	$127,941 (+8.5%) Land $39,010 Building $88,931	$383,977 (+8.5%) Land $117,077 Building $266,900
2024		$117,918 (+17.94%) Land $35,954 Building $81,964	$353,896 (+17.99%) Land $107,905 Building $245,990
2022	$7,846.00 (+3.07%) Homeowner's exemption	$99,981 (+3.86%) Land $30,371 Building $69,610	$299,943 (+3.86%) Land $91,113 Building $208,830
2021	$7,612.00 Homeowner's exemption	$96,265 Land $29,242 Building $67,023	$288,795 Land $87,726 Building $201,069

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 · 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

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 264 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20