428 S Chicago St, Geneseo, IL 61254 Property Records

Henry County property record for 428 S Chicago St, Geneseo, IL 61254

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,728 sqft · built 1952
Lot Size	0.29 acres (12,632 sqft)
Owner	Individual Name on File
Last Sale	$150,000 (Sep 2023)
Tax Bill	$4,385 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Mar 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-22-151-013`

Property Details

APN / Parcel Number

Primary APN	`08-22-151-013`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,728 sqft Total Area
1st Floor Area	1,728 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Exterior Material	Brick
Lot Area	12,632 sqft (0.29 acres)
Lot Dimensions	167 ft deep x 75 ft wide
Garage Area	264 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	428 S CHICAGO ST
City	GENESEO
State	IL
Zip	61254-1540
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 3 SUB OF W200 LOTS 1 & 6 SW NW SEC 22 T17N R3E
Legal Range	03E
Legal Township	17N
Legal Section	22
Legal Block	151
Legal Lot Number	3,6
Jurisdiction	HENRY IL
Township / Civil Division	GENESEO
Census Block Group	2
Census Block	2024
Census Tract	30302

Owner

428 S Chicago St is owned and occupied by an individual who bought it in September 2023.

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

Owner of Record	Individual Name on File
Mailing Address	428 S CHICAGO ST, GENESEO, IL 61254-1540
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
Sep 29, 2023	Warranty Deed, Transfer · Conventional Mortgage PNC BANK NA
Mar 20, 2019	Deed of Trust, Mortgage · Conventional with PMI CENTRAL BK/IL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2023 · Amount on File
Deed Sale	Sep 29, 2023 · Amount on File
Prior Sale	Nov 9, 2006 · Amount on File
Deed Document Number	20234380
Record Updated	Sep 20, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENRY IL
Recording Date	Sep 29, 2023
Property Address	428 S CHICAGO ST, GENESEO, IL 61254-1540
Document Number	0000004380
Instrument Date	Aug 28, 2023
Instrument	20-2304380
Transaction Type	Transfer
Record Updated	Oct 18, 2023
Title Company	ACCOMODATION, ACCOMMODATION

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	428 S CHICAGO ST, GENESEO, IL 61254-1540

Mortgage

Document Number	0000004381
Date	Sep 29, 2023
Instrument	20-2304381

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

Interest

Rate	7.62%

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENRY IL
Property Address	428 S CHICAGO ST, GENESEO, IL 61254-1540
Document Number	0000001276
Instrument Date	Mar 20, 2019
Transaction Type	Mortgage
Record Updated	Apr 26, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	105 N STEWART ST GENESEO IL 612541311, GENESEO, IL 61254-1311

Mortgage

Document Number	0000001276
Date	Mar 22, 2019
Instrument	1276

Lender

Name	CENTRAL BK/IL
Type	Bank
Address	GENESEO, IL 61254

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	180 Months
Due	Mar 21, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 428 S Chicago St was $4,385 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,385.00	$68,536 Land $8,897 Building $59,639	$205,608 Land $26,691 Building $178,917
2022		$56,667 Land $7,071 Building $49,596	$170,001 Land $21,213 Building $148,788
2021	$3,979.00

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

FEMA maps place 428 S Chicago St in Zone X, an area of minimal flood risk.

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

The area around 428 S Chicago 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	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 462 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 · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

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