39W814 Terney Ln, Geneva, IL 60134 Property Records

Kane County property record for 39W814 Terney Ln, Geneva, IL 60134

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,276 sqft · built 1998
Lot Size	0.185 acres (8,057 sqft)
Owner	2 Individual Names on Record
Last Sale	$495,000 (Mar 2024)
Tax Bill	$12,115 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Mar 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-12-327-005`

Property Details

APN / Parcel Number

Primary APN	`11-12-327-005`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Building Area	2,276 sqft Living Area
Basement Area	1,151 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Exterior Material	Metal
Lot Area	8,057 sqft (0.185 acres)
Garage Area	452 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Deck Area	176 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	39W814 TERNEY LN
City	GENEVA
State	IL
Zip	60134-4452
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	23 CREEK BLACKBERRY NEIGHBORHOODF
Legal Subdivision	MILL CREEK NBRHD F
Legal Block	5
Legal Lot Number	23
Jurisdiction	KANE IL
Township / Civil Division	BLACKBERRY
Census Block Group	5
Census Block	5017
Census Tract	854505

Owner

Source: Kane County records, as of September 22, 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	2 Individual Names on Record
Mailing Address	39W814 TERNEY LN, GENEVA, IL 60134-4452
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2026	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Mar 26, 2024	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 26, 2024 · Amount on Record
Deed Sale	Mar 26, 2024 · Amount on Record
Prior Sale	Jul 15, 2013 · Amount on Record
Deed Document Number	20249794
Prior Transfer Date	May 27, 1998
Prior Transfer Doc	0000048871
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	39W814 TERNEY LN, GENEVA, IL 60134-4452
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39W814 TERNEY LN, GENEVA, IL 60134-4452

Mortgage

Document Number	0000008040
Date	Feb 27, 2026
Instrument	2026K008040

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Mar 26, 2024
Property Address	39W814 TERNEY LN, GENEVA, IL 60134-4452
Document Number	0000009794
Instrument Date	Mar 20, 2024
Instrument	2024K009794
Transaction Type	Transfer
Record Updated	Apr 2, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$495.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	39W814 TERNEY LN, GENEVA, IL 60134-4452

Mortgage

Document Number	0000009795
Date	Mar 26, 2024
Instrument	2024K009795

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

Tax Assessment & Valuation

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	Blackberry Township
Unified School District	Geneva Community Unit School District 304 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$12,115.00 (+24.26%)	$161,621 (+8.89%) Land $32,865 Building $128,756	$485,057 (+8.89%) Land $98,634 Building $386,423
2024		$148,426 (+31.25%) Land $30,182 Building $118,244	$445,456 (+31.3%) Land $90,582 Building $354,874
2022	$9,750.00 (+3.49%) Homeowner's exemption	$113,087 (+4.48%) Land $25,000 Building $88,087	$339,261 (+4.48%) Land $75,000 Building $264,261
2021	$9,421.00 Homeowner's exemption	$108,238 Land $23,928 Building $84,310	$324,714 Land $71,784 Building $252,930

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	MILL CREEK WATER RECLAMATION DISTRICT private · serves 8,000 people · EPA ID IL0890120
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 282 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Watch TV.

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