446 N Locust St, Genoa, IL 60135 Property Records

DeKalb County property record for 446 N Locust St, Genoa, IL 60135

Property Summary

Property Type	Single Family Home
Lot Size	0.219 acres (9,552 sqft)
Owner	2 Individual Names on File
Last Sale	$155,000 (May 2018)
Tax Bill	$5,379 (2024)
Deeds & Mortgages	Mar 2024 Transfer Mar 2019 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-19-426-001`

Property Details

APN / Parcel Number

Primary APN	`03-19-426-001`

Exterior

Lot Area	9,552 sqft (0.219 acres)
Lot Dimensions	109 ft deep x 87.5 ft wide

Location & Zoning

Account Number	0319426001
Street Address	446 N LOCUST ST
City	GENOA
State	IL
Zip	60135-1030
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 - WARDS SUBDIVISION
Legal Subdivision	WARDS SUBDIVISION
Legal Lot Number	8
Jurisdiction	DE KALB IL
Township / Civil Division	GENOA
Census Block Group	2
Census Block	2032
Census Tract	100

Owner

446 N Locust St is owned and occupied by two individuals who acquired it in March 2024.

Source: DeKalb County records, as of April 8, 2026

Owner of Record	2 Individual Names on File
Mailing Address	446 N LOCUST ST, GENOA, IL 60135-1030
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
Mar 21, 2024	Transfer on Death Deed, Transfer
Mar 15, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
May 1, 2018	Warranty Deed, Transfer · Conventional with PMI MIDWEST CMNTY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2018 · Amount on File
Deed Sale	May 1, 2018 · Amount on File
Deed Document Number	20184005
Last Transfer Date	Mar 15, 2024
Transfer Doc	0000001874
Record Updated	Sep 20, 2026

March 2024: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	DE KALB IL
Recording Date	Mar 21, 2024
Property Address	446 N LOCUST ST, GENOA, IL 60135-1030
Document Number	0000001874
Map Reference	MB G PG 123
Instrument Date	Mar 15, 2024
Instrument	2024001874
Transaction Type	Transfer
Record Updated	May 6, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DE KALB IL
Recording Date	Mar 15, 2019
Property Address	446 N LOCUST ST, GENOA, IL 60135-1030
Document Number	0000001866
Instrument Date	Feb 1, 2019
Instrument	1866
Transaction Type	Transfer
Record Updated	Mar 29, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	446 N LOCUST ST GENOA IL 601351030, GENOA, IL 60135-1030

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IL
Recording Date	May 1, 2018
Property Address	446 N LOCUST ST, GENOA, IL 60135-1030
Document Number	0000004005
Instrument Date	Apr 13, 2018
Instrument	4005
Transaction Type	Transfer
Record Updated	May 15, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$155.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13573 HARVEST WAY POPLAR GROVE IL 610657826, POPLAR GROVE, IL 61065-7826

Mortgage

Document Number	4006
Date	May 1, 2018
Instrument	4006

Lender

Name	MIDWEST CMNTY BK
Type	Bank
Address	SAINT CHARLES, IL 60174

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 30, 2048

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		$75,077 Land $14,089 Building $60,988	$225,231 Land $42,267 Building $182,964
2024	$5,379.00
2023		$61,764 Land $12,057 Building $49,707	$185,292 Land $36,171 Building $149,121

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 446 N Locust 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	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

Wildfire risk around 446 N Locust St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 70% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: DNA Communications.

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