403 E Exchange St, Geneseo, IL 61254 Property Records

Henry County property record for 403 E Exchange St, Geneseo, IL 61254

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,702 sqft · built 1917
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on Record
Last Sale	$121,500 (Jul 2020)
Tax Bill	$3,418 (2025)
Deeds & Mortgages	Jul 2020 Sale & Line of Credit Jul 2019 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`08-21-204-011`

Property Details

APN / Parcel Number

Primary APN	`08-21-204-011`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,702 sqft Total Area
1st Floor Area	851 sqft
Basement Area	851 sqft
Unfinished Basement	851 sqft

Exterior

Year Built	Built 1917
Effective Year Built	Effective 1917
Exterior Material	Stucco
Construction Type	Frame
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	139 ft deep x 65 ft wide
Garage Area	1,167 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	403 E EXCHANGE ST
City	GENESEO
State	IL
Zip	61254-2105
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 6 BLK 5 ALLENS 1ST ADD CITY OF GENESEO
Legal Subdivision	ALLENS 1ST ADD
Legal Block	5
Legal Lot Number	6
Jurisdiction	HENRY IL
Township / Civil Division	GENESEO
Census Block Group	3
Census Block	3000
Census Tract	30302

Owner

Source: Henry County records, as of June 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	403 E EXCHANGE ST, GENESEO, IL 61254-2105
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2020	Warranty Deed, Transfer · Line of Credit BNC NATIONAL BANK
Jul 12, 2019	Trustee's Deed, Construction Loan · Construction Mortgage IH MS VLY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 17, 2020 · Amount on Record
Deed Sale	Jul 17, 2020 · Amount on Record
Deed Document Number	20202004408
Record Updated	Sep 20, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENRY IL
Recording Date	Jul 17, 2020
Property Address	403 E EXCHANGE ST, GENESEO, IL 61254-2105
Document Number	0000004408
Instrument Date	Jun 22, 2020
Instrument	20-2004408
Transaction Type	Transfer
Record Updated	Jun 15, 2021
Title Company	GOMEZ TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$182.25
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 E EXCHANGE ST, GENESEO, IL 61254-2105

Mortgage

Document Number	0000004409
Date	Jul 17, 2020
Instrument	20-2004409

Lender

Name	BNC NATIONAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.87%

July 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	HENRY IL
Recording Date	Jul 12, 2019
Property Address	403 E EXCHANGE ST, GENESEO, IL 61254-2105
Instrument Date	Jul 8, 2019
Instrument	3401
Transaction Type	Construction Loan
Record Updated	Sep 5, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	403 E EXCHANGE ST GENESEO IL 612542105, GENESEO, IL 61254-2105

Mortgage

Document Number	0000003401
Date	Jul 12, 2019
Instrument	3401

Lender

Name	IH MS VLY CU
Type	Credit Union
Address	MOLINE, IL 61265

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 11, 2020

Interest

Rate Type	Fixed Rate
Rate	4.5%

Tax Assessment & Valuation

Source: Henry County assessment roll, as of June 19, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Henry County
County Subdivision	Geneseo Township
Municipality	Geneseo City
Unified School District	Geneseo Community Unit School District 228 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,418.00 (+31.26%)	$48,913 (+25.82%) Land $4,348 Building $44,565	$146,739 (+25.82%) Land $13,044 Building $133,695
2022		$38,874 Land $3,456 Building $35,418	$116,622 Land $10,368 Building $106,254
2021	$2,604.00

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 June 2, 2011

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	GENESEO serves 6,539 people · EPA ID IL0730500
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	3 ppb (2026–2028) action level 15 ppb
Copper	1.4 mg/L (2015–2017) action level 1.3 mg/L

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 445 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Geneseo Communications Services Fiber · Fixed Wireless in parts of the area	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

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