409 W 1st St, Genoa, IL 60135 Property Records

DeKalb County property record for 409 W 1st St, Genoa, IL 60135

Property Summary

Property Type	Single Family Home
Lot Size	0.184 acres (8,000 sqft)
Owner	Individual Name on File
Last Sale	$37,333 (Jan 2022)
Tax Bill	$3,359 (2024)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Jan 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`03-19-329-010`

Property Details

APN / Parcel Number

Primary APN	`03-19-329-010`

Exterior

Lot Area	8,000 sqft (0.184 acres)
Lot Dimensions	160 ft deep x 50 ft wide

Location & Zoning

Account Number	0319329010
Street Address	409 W 1ST ST
City	GENOA
State	IL
Zip	60135-1019
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 - BLK 4- S STEPHENS ADDITION
Legal Subdivision	STEPHENS ADDITION
Legal Block	4
Legal Lot Number	8
Jurisdiction	DE KALB IL
Township / Civil Division	GENOA
Census Block Group	1
Census Block	1019
Census Tract	100

Owner

409 W 1st St is owned and occupied by an individual who bought it in January 2022.

Source: DeKalb County records, as of April 28, 2026

Owner of Record	Individual Name on File
Mailing Address	1850 PARKSIDE DR, SYCAMORE, IL 60178-3314
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST MIDWEST BANK
Jan 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage COMPASS MORTGAGE INC
Aug 27, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Oct 23, 2018	Warranty Deed, Transfer · FHA Mortgage OLD SECOND NAT'L BK
Jun 30, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 18, 2022 · Amount on File
Deed Sale	Jan 18, 2022 · Amount on File
Prior Sale	Oct 23, 2018 · Amount on File
Deed Document Number	2022669
Record Updated	Oct 29, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IL
Recording Date	Jan 18, 2022
Property Address	409 W 1ST ST, GENOA, IL 60135-1019
Document Number	0000000669
Map Reference	MB A PG 77
Instrument Date	Dec 30, 2021
Instrument	2022000669
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$150.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	409 W 1ST ST, 409, GENOA, IL 60135-1019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 W 1ST ST, GENOA, IL 60135-1019

Mortgage

Document Number	0000000670
Date	Jan 18, 2022
Instrument	2022000670

Lender

Name	FIRST MIDWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Interest

Rate Type	Fixed Rate
Rate	3.37%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IL
Property Address	409 W 1ST ST, GENOA, IL 60135-1019
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	210000000193
Date	Jan 6, 2021
Instrument	2021000193

Lender

Name	COMPASS MORTGAGE INC
Type	Mortgage Company
Address	WARRENVILLE, IL 60555

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IL
Property Address	409 W 1ST ST, GENOA, IL 60135-1019
Document Number	0000009020
Instrument Date	Aug 27, 2020
Transaction Type	Mortgage
Record Updated	Sep 17, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 W 1ST ST GENOA IL 601351019, GENOA, IL 60135-1019

Mortgage

Document Number	0000009020
Date	Sep 3, 2020
Instrument	9020

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	336 Months
Due	Sep 2, 2048

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IL
Recording Date	Oct 23, 2018
Property Address	409 W 1ST ST, GENOA, IL 60135-1019
Document Number	0000009863
Instrument Date	Oct 19, 2018
Instrument	9863
Transaction Type	Transfer
Record Updated	Nov 1, 2018

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 W 1ST ST GENOA IL 601351019, GENOA, IL 60135-1019

Mortgage

Document Number	9864
Date	Oct 23, 2018
Instrument	9864

Lender

Name	OLD SECOND NAT'L BK
Type	Bank
Address	AURORA, IL 60506

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 22, 2048

Interest

Rate Type	Fixed Rate
Rate	5.37%

Mortgage

Document Number	9865,
Date	Oct 23, 2018
Instrument	9865

Lender

Name	ILLINOIS MTG
Type	Mortgage Company
Address	CHICAGO, IL 60601

Agreement

Amount	Amount on Record

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IL
Recording Date	Jun 30, 2017
Property Address	409 W 1ST ST, GENOA, IL 60135-1019
Document Number	0000006243
Instrument Date	Jun 14, 2017
Instrument	6243
Transaction Type	Transfer
Record Updated	Aug 4, 2017

Transaction

Amount	Amount on Record
Tax	$21.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 52 ELBURN IL 601190052, ELBURN, IL 60119-0052

Tax Assessment & Valuation

Source: DeKalb County assessment roll, as of April 8, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	DeKalb County
County Subdivision	Genoa Township
Municipality	Genoa City
Unified School District	Genoa-Kingston Community Unit School District 424 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$49,289 Land $12,181 Building $37,108	$147,867 Land $36,543 Building $111,324
2024	$3,359.00
2023		$40,669 Land $10,424 Building $30,245	$122,007 Land $31,272 Building $90,735

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 409 W 1st St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 2, 2009 · 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	1 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

The area around 409 W 1st 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	GENOA serves 5,298 people · EPA ID IL0370150
Water Source	Groundwater
Last State Inspection	May 2025
Lead	6 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Radium not recorded as resolved · Apr 2026
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 210 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: DNA Communications.

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