Kane County property record for 328 Richards St, Geneva, IL 60134
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,184 sqft · built 1908 |
| Lot Size | 0.152 acres (6,600 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $340,000 (Oct 2017) |
| Tax Bill | $10,035 (2025) |
| Deeds & Mortgages | Oct 2023 Line of Credit Jul 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-03-182-006 |
| Primary APN | 12-03-182-006 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,184 sqft Living Area |
| Gross Area | 3,276 sqft |
| Basement Area | 1,092 sqft |
| Year Built | Built 1908 |
|---|---|
| Effective Year Built | Effective 1908 |
| Lot Area | 6,600 sqft (0.152 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|
| Street Address | 328 RICHARDS ST |
|---|---|
| City | GENEVA |
| State | IL |
| Zip | 60134-1257 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 6 IN BLK 7 OF W H WILCOXS ADDITION TO GENEVA |
| Legal Subdivision | W H WILCOXS ADDN |
| Legal Block | 7 |
| Legal Lot Number | 6 |
| Jurisdiction | KANE IL |
| Township / Civil Division | GENEVA |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 852608 |
328 Richards St is owned and occupied by two individuals who bought it in October 2017.
Source: Kane County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 328 RICHARDS ST, GENEVA, IL 60134-1257 |
| 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 |
|---|---|
| Oct 4, 2023 | Deed of Trust, Mortgage · Line of Credit FIRST AMERICAN BANK |
| Jul 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Oct 12, 2017 | Warranty Deed, Transfer · FHA Mortgage ABC BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 12, 2017 · Amount on File |
| Deed Sale | Oct 12, 2017 · Amount on File |
| Prior Sale | Sep 4, 2012 · Amount on File |
| Deed Document Number | 201753634 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 328 RICHARDS ST, GENEVA, IL 60134-1257 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000034657 |
|---|---|
| Date | Oct 4, 2023 |
| Instrument | 2023K034657 |
| Name | FIRST AMERICAN BANK |
|---|---|
| Type | Bank |
| Address | HAMPSHIRE, IL 60140 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Oct 1, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 328 RICHARDS ST, GENEVA, IL 60134-1257 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2022 |
| Title Company | CITYWIDE TITLE CORPORATION |
| Name | Verified Name |
|---|
| Document Number | 0000039752 |
|---|---|
| Date | Jul 22, 2020 |
| Instrument | 2020K039752 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.87% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Oct 12, 2017 |
| Property Address | 328 RICHARDS ST, GENEVA, IL 60134-1257 |
| Document Number | 0000053634 |
| Instrument Date | Aug 11, 2017 |
| Instrument | 2017K053634 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2022 |
| Title Company | STEWART TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $340.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 328 RICHARDS ST, GENEVA, IL 60134-1257 |
| Document Number | 0000053635 |
|---|---|
| Date | Oct 12, 2017 |
| Instrument | 2017K053635 |
| Name | ABC BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4% |
The 2025 property tax bill for 328 Richards St was $10,035 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 | $10,035.00 Homeowner's exemption | $146,953 (+8.5%) Land $34,678 Building $112,275 | $441,035 (+8.5%) Land $104,076 Building $336,960 |
| 2024 | $135,440 Land $31,961 Building $103,479 | $406,483 Land $95,921 Building $310,561 | |
| 2022 | $10,018.00 (+3.02%) Homeowner's exemption | $125,985 (+3.86%) Land $26,998 Building $98,987 | $377,955 (+3.86%) Land $80,994 Building $296,961 |
| 2021 | $9,724.00 Homeowner's exemption | $121,303 Land $25,995 Building $95,308 | $363,909 Land $77,985 Building $285,924 |
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 328 Richards 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 328 Richards 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 462 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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