Kane County property record for 3820 Ridge Pointe Dr, Geneva, IL 60134
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 2,119 sqft · built 2009 |
| Lot Size | 0.9 acres (3,920 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $420,000 (Jun 2019) |
| Tax Bill | $12,386 (2025) |
| Deeds & Mortgages | Jul 2020 Line of Credit Mar 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-05-101-007 |
| Primary APN | 12-05-101-007 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,119 sqft Living Area |
| Gross Area | 4,238 sqft |
| 1st Floor Area | 2,119 sqft |
| Basement Area | 2,119 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Architectural Style | Townhouse |
| Lot Area | 3,920 sqft (0.9 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|
| Street Address | 3820 RIDGE POINTE DR |
|---|---|
| City | GENEVA |
| State | IL |
| Zip | 60134-5105 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PRAIRIE RIDGE TOWNHOMES PT OF LT 1 AS DESC IN DOC 2011K046647 |
| Legal Subdivision | PRAIRIE RIDGE TOWNHOMES |
| Legal Block | 3 |
| Legal Lot Number | 1 |
| Jurisdiction | KANE IL |
| Township / Civil Division | GENEVA |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 854800 |
3820 Ridge Pointe Dr is owner-occupied and held in a trust since June 2019.
Source: Kane County records, as of July 21, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 3820 RIDGE POINTE DR, GENEVA, IL 60134-5105 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
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 |
|---|---|
| Jul 27, 2020 | Deed of Trust, Mortgage · Line of Credit ST CHARLES BANK & TRUST CO |
| Mar 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WINTRUST MORTGAGE |
| Jun 14, 2019 | Deed, Transfer · Conventional Mortgage WINTRUST MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 14, 2019 · Amount on File |
| Deed Sale | Jun 14, 2019 · Amount on File |
| Prior Sale | Aug 10, 2011 · Amount on File |
| Deed Document Number | 201924694 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 3820 RIDGE POINTE DR, GENEVA, IL 60134-5105 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000040684 |
|---|---|
| Date | Jul 27, 2020 |
| Instrument | 2020K040684 |
| Name | ST CHARLES BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, IL 60174 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 3820 RIDGE POINTE DR, GENEVA, IL 60134-5105 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2022 |
| Title Company | PLYMOUTH TITLE GUARANTY CORP |
| Name | Verified Name |
|---|
| Document Number | 0000014556 |
|---|---|
| Date | Mar 23, 2020 |
| Instrument | 2020K014556 |
| Name | WINTRUST MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | DES PLAINES, IL 60018 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2035 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.87% |
| Document Type | Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jun 14, 2019 |
| Property Address | 3820 RIDGE POINTE DR, GENEVA, IL 60134-5105 |
| Document Number | 0000024694 |
| Map Reference | DOC 2005K020624 |
| Instrument Date | May 28, 2019 |
| Instrument | 2019K024694 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $420.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3820 RIDGE POINTE DR, GENEVA, IL 60134-5105 |
| Document Number | 0000024695 |
|---|---|
| Date | Jun 14, 2019 |
| Instrument | 2019K024695 |
| Name | WINTRUST MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jun 1, 2034 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.75% |
The 2025 property tax bill for 3820 Ridge Pointe Dr was $12,386 with exemptions applied.
Source: Kane County assessment roll, as of August 25, 2025
| 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 | $12,386.00 Homeowner's exemption Senior Citizen's exemption | ||
| 2024 | $172,810 Land $39,497 Building $133,313 | $518,637 Land $118,538 Building $400,099 | |
| 2022 | $11,687.00 (+3%) Homeowner's exemption | $145,977 (+3.86%) Land $33,364 Building $112,613 | $437,931 (+3.86%) Land $100,092 Building $337,839 |
| 2021 | $11,347.00 Homeowner's exemption | $140,552 Land $32,124 Building $108,428 | $421,656 Land $96,372 Building $325,284 |
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 3820 Ridge Pointe Dr 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 risk around 3820 Ridge Pointe Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 79% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 115 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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