431 Elm Ave, Geneva, IL 60134 Property Records

Kane County property record for 431 Elm Ave, Geneva, IL 60134

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 884 sqft · built 1953
Lot Size	0.143 acres (6,250 sqft)
Owner	2 Individual Names on Record
Last Sale	$344,500 (Jul 2025)
Tax Bill	$5,640 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-02-127-014`

Property Details

APN / Parcel Number

Primary APN	`12-02-127-014`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	884 sqft Living Area
Gross Area	1,768 sqft
1st Floor Area	884 sqft
Basement Area	884 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Ranch
Lot Area	6,250 sqft (0.143 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Water Source	Commercial

Location & Zoning

Street Address	431 ELM AVE
City	GENEVA
State	IL
Zip	60134-1561
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	12 15 SAMARITAN
Legal Subdivision	WESTERN SAMARITAN
Legal Block	5
Legal Lot Number	15
Jurisdiction	KANE IL
Township / Civil Division	GENEVA
Census Block Group	5
Census Block	5001
Census Tract	852500

Owner

Source: Kane County records, as of July 23, 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	431 ELM AVE, GENEVA, IL 60134-1561
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNION HOME MORTGAGE CORP
Jun 29, 2021	Warranty Deed, Transfer · Conventional Mortgage KEY MORTGAGE SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 3, 2025 · Amount on Record
Deed Sale	Jul 3, 2025 · Amount on Record
Prior Sale	Jun 29, 2021 · Amount on Record
Deed Document Number	202524794
Prior Transfer Date	Oct 30, 1995
Prior Transfer Doc	0000065742
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	431 ELM AVE, GENEVA, IL 60134-1561
Transaction Type	Mortgage
Record Updated	Mar 19, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 ELM AVE, GENEVA, IL 60134-1561

Mortgage

Document Number	0000009976
Date	Mar 12, 2026
Instrument	2026K009976

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.62%

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 29, 2021
Property Address	431 ELM AVE, GENEVA, IL 60134-1561
Document Number	0000049829
Instrument Date	May 14, 2021
Instrument	2021K049829
Transaction Type	Transfer
Record Updated	Jul 14, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 ELM AVE, GENEVA, IL 60134-1561

Mortgage

Document Number	0000049830
Date	Jun 29, 2021
Instrument	2021K049830

Lender

Name	KEY MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3%

Tax Assessment & Valuation

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

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,640.00 (+10.7%)	$86,089 (+8.5%) Land $31,740 Building $54,349	$258,370 (+8.5%) Land $95,258 Building $163,112
2024		$79,344 (+18.38%) Land $29,253 Building $50,091	$238,127 (+18.43%) Land $87,794 Building $150,333
2022	$5,095.00 (+3.22%) Homeowner's exemption	$67,024 (+3.86%) Land $24,711 Building $42,313	$201,072 (+3.86%) Land $74,133 Building $126,939
2021	$4,936.00 Homeowner's exemption	$64,533 Land $23,793 Building $40,740	$193,599 Land $71,379 Building $122,220

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	3 in force
Nearby Flood Claims	2 (2002–2015)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Apr 2015 · rainfall accumulation

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	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	GENEVA serves 21,247 people · EPA ID IL0890350
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	5 ppb (2026) action level 15 ppb

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

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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